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$47,752
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,238
−HK$1,509/mo
Today · 4.125%
HK$50,747
baseline
▲ 0.50% · 4.625%
HK$53,834
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,494/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$844,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,124
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,549
−HK$1,445/mo
Today · 4.125%
HK$55,994
baseline
▲ 0.50% · 4.625%
HK$58,945
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,988/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$844,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,303
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,085
−HK$1,811/mo
Today · 4.125%
HK$60,896
baseline
▲ 0.50% · 4.625%
HK$64,601
+HK$3,705/mo
Deposit HK$8.38M · loan HK$12.56M · min. income ≈ HK$121,792/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,749
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,458
−HK$1,735/mo
Today · 4.125%
HK$67,193
baseline
▲ 0.50% · 4.625%
HK$70,735
+HK$3,542/mo
Deposit HK$8.38M · loan HK$12.56M · min. income ≈ HK$134,386/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,853
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,933
−HK$2,112/mo
Today · 4.125%
HK$71,045
baseline
▲ 0.50% · 4.625%
HK$75,368
+HK$4,323/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$142,090/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,373
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,368
−HK$2,023/mo
Today · 4.125%
HK$78,391
baseline
▲ 0.50% · 4.625%
HK$82,524
+HK$4,133/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$156,782/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,954
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,628
−HK$2,716/mo
Today · 4.125%
HK$91,344
baseline
▲ 0.50% · 4.625%
HK$96,902
+HK$5,558/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$182,688/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,623
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,187
−HK$2,602/mo
Today · 4.125%
HK$100,789
baseline
▲ 0.50% · 4.625%
HK$106,102
+HK$5,313/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$201,578/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,158 · Scale 2, in force from 26 Feb 2026)