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$47,704
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,188
−HK$1,507/mo
Today · 4.125%
HK$50,695
baseline
▲ 0.50% · 4.625%
HK$53,780
+HK$3,085/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,390/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,070
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,493
−HK$1,444/mo
Today · 4.125%
HK$55,937
baseline
▲ 0.50% · 4.625%
HK$58,886
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,874/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,244
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,025
−HK$1,809/mo
Today · 4.125%
HK$60,834
baseline
▲ 0.50% · 4.625%
HK$64,536
+HK$3,702/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,668/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,684
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,392
−HK$1,733/mo
Today · 4.125%
HK$67,125
baseline
▲ 0.50% · 4.625%
HK$70,663
+HK$3,538/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,250/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,785
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,863
−HK$2,110/mo
Today · 4.125%
HK$70,973
baseline
▲ 0.50% · 4.625%
HK$75,292
+HK$4,319/mo
Deposit HK$6.28M · loan HK$14.64M · min. income ≈ HK$141,946/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,298
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,291
−HK$2,021/mo
Today · 4.125%
HK$78,312
baseline
▲ 0.50% · 4.625%
HK$82,440
+HK$4,128/mo
Deposit HK$6.28M · loan HK$14.64M · min. income ≈ HK$156,624/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,867
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,538
−HK$2,713/mo
Today · 4.125%
HK$91,251
baseline
▲ 0.50% · 4.625%
HK$96,804
+HK$5,553/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,502/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,526
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,088
−HK$2,599/mo
Today · 4.125%
HK$100,687
baseline
▲ 0.50% · 4.625%
HK$105,994
+HK$5,307/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,374/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,034 · Scale 2, in force from 26 Feb 2026)