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$47,714
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,198
−HK$1,508/mo
Today · 4.125%
HK$50,706
baseline
▲ 0.50% · 4.625%
HK$53,791
+HK$3,085/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,412/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,081
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,504
−HK$1,445/mo
Today · 4.125%
HK$55,949
baseline
▲ 0.50% · 4.625%
HK$58,898
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,898/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,256
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,037
−HK$1,810/mo
Today · 4.125%
HK$60,847
baseline
▲ 0.50% · 4.625%
HK$64,549
+HK$3,702/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,694/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,697
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,405
−HK$1,733/mo
Today · 4.125%
HK$67,138
baseline
▲ 0.50% · 4.625%
HK$70,677
+HK$3,539/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,276/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,799
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,877
−HK$2,111/mo
Today · 4.125%
HK$70,988
baseline
▲ 0.50% · 4.625%
HK$75,307
+HK$4,319/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$141,976/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,313
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,306
−HK$2,022/mo
Today · 4.125%
HK$78,328
baseline
▲ 0.50% · 4.625%
HK$82,457
+HK$4,129/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,656/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,884
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,556
−HK$2,714/mo
Today · 4.125%
HK$91,270
baseline
▲ 0.50% · 4.625%
HK$96,824
+HK$5,554/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,540/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,545
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,108
−HK$2,599/mo
Today · 4.125%
HK$100,707
baseline
▲ 0.50% · 4.625%
HK$106,016
+HK$5,309/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,414/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,463 · Scale 2, in force from 26 Feb 2026)