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$47,603
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,084
−HK$1,504/mo
Today · 4.125%
HK$50,588
baseline
▲ 0.50% · 4.625%
HK$53,666
+HK$3,078/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,176/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,958
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,378
−HK$1,441/mo
Today · 4.125%
HK$55,819
baseline
▲ 0.50% · 4.625%
HK$58,761
+HK$2,942/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,638/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,124
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,901
−HK$1,805/mo
Today · 4.125%
HK$60,706
baseline
▲ 0.50% · 4.625%
HK$64,400
+HK$3,694/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,412/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,550
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,254
−HK$1,729/mo
Today · 4.125%
HK$66,983
baseline
▲ 0.50% · 4.625%
HK$70,514
+HK$3,531/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$133,966/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,644
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,717
−HK$2,107/mo
Today · 4.125%
HK$70,824
baseline
▲ 0.50% · 4.625%
HK$75,133
+HK$4,309/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,648/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,141
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,130
−HK$2,017/mo
Today · 4.125%
HK$78,147
baseline
▲ 0.50% · 4.625%
HK$82,266
+HK$4,119/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,294/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,686
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,351
−HK$2,708/mo
Today · 4.125%
HK$91,059
baseline
▲ 0.50% · 4.625%
HK$96,600
+HK$5,541/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,118/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,324
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,881
−HK$2,594/mo
Today · 4.125%
HK$100,475
baseline
▲ 0.50% · 4.625%
HK$105,771
+HK$5,296/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$200,950/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,623 · Scale 2, in force from 26 Feb 2026)