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$47,705
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,189
−HK$1,508/mo
Today · 4.125%
HK$50,697
baseline
▲ 0.50% · 4.625%
HK$53,782
+HK$3,085/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,394/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,072
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,495
−HK$1,444/mo
Today · 4.125%
HK$55,939
baseline
▲ 0.50% · 4.625%
HK$58,888
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,878/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,247
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,027
−HK$1,809/mo
Today · 4.125%
HK$60,836
baseline
▲ 0.50% · 4.625%
HK$64,538
+HK$3,702/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,672/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,686
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,394
−HK$1,733/mo
Today · 4.125%
HK$67,127
baseline
▲ 0.50% · 4.625%
HK$70,665
+HK$3,538/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,254/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,788
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,865
−HK$2,111/mo
Today · 4.125%
HK$70,976
baseline
▲ 0.50% · 4.625%
HK$75,295
+HK$4,319/mo
Deposit HK$6.28M · loan HK$14.64M · min. income ≈ HK$141,952/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,301
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,293
−HK$2,022/mo
Today · 4.125%
HK$78,315
baseline
▲ 0.50% · 4.625%
HK$82,443
+HK$4,128/mo
Deposit HK$6.28M · loan HK$14.64M · min. income ≈ HK$156,630/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,870
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,541
−HK$2,714/mo
Today · 4.125%
HK$91,255
baseline
▲ 0.50% · 4.625%
HK$96,807
+HK$5,552/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,510/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,529
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,091
−HK$2,599/mo
Today · 4.125%
HK$100,690
baseline
▲ 0.50% · 4.625%
HK$105,998
+HK$5,308/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,380/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,110 · Scale 2, in force from 26 Feb 2026)