The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$47,633
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,115
−HK$1,505/mo
Today · 4.125%
HK$50,620
baseline
▲ 0.50% · 4.625%
HK$53,700
+HK$3,080/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,240/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,991
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,412
−HK$1,442/mo
Today · 4.125%
HK$55,854
baseline
▲ 0.50% · 4.625%
HK$58,798
+HK$2,944/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,708/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,159
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,937
−HK$1,807/mo
Today · 4.125%
HK$60,744
baseline
▲ 0.50% · 4.625%
HK$64,440
+HK$3,696/mo
Deposit HK$8.36M · loan HK$12.53M · min. income ≈ HK$121,488/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,589
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,295
−HK$1,730/mo
Today · 4.125%
HK$67,025
baseline
▲ 0.50% · 4.625%
HK$70,558
+HK$3,533/mo
Deposit HK$8.36M · loan HK$12.53M · min. income ≈ HK$134,050/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,686
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,760
−HK$2,108/mo
Today · 4.125%
HK$70,868
baseline
▲ 0.50% · 4.625%
HK$75,180
+HK$4,312/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,736/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$838,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,188
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,177
−HK$2,019/mo
Today · 4.125%
HK$78,196
baseline
▲ 0.50% · 4.625%
HK$82,318
+HK$4,122/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,392/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$838,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,739
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,406
−HK$2,710/mo
Today · 4.125%
HK$91,116
baseline
▲ 0.50% · 4.625%
HK$96,660
+HK$5,544/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,232/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,384
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,942
−HK$2,595/mo
Today · 4.125%
HK$100,537
baseline
▲ 0.50% · 4.625%
HK$105,837
+HK$5,300/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,074/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,928 · Scale 2, in force from 26 Feb 2026)