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$47,590
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,070
−HK$1,504/mo
Today · 4.125%
HK$50,574
baseline
▲ 0.50% · 4.625%
HK$53,651
+HK$3,077/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,148/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$837,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,943
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,363
−HK$1,440/mo
Today · 4.125%
HK$55,803
baseline
▲ 0.50% · 4.625%
HK$58,745
+HK$2,942/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,606/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$837,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,108
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,884
−HK$1,805/mo
Today · 4.125%
HK$60,689
baseline
▲ 0.50% · 4.625%
HK$64,382
+HK$3,693/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,378/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,532
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,236
−HK$1,728/mo
Today · 4.125%
HK$66,964
baseline
▲ 0.50% · 4.625%
HK$70,494
+HK$3,530/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,928/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,626
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,698
−HK$2,106/mo
Today · 4.125%
HK$70,804
baseline
▲ 0.50% · 4.625%
HK$75,112
+HK$4,308/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,608/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,120
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,108
−HK$2,017/mo
Today · 4.125%
HK$78,125
baseline
▲ 0.50% · 4.625%
HK$82,243
+HK$4,118/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,250/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,661
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,326
−HK$2,707/mo
Today · 4.125%
HK$91,033
baseline
▲ 0.50% · 4.625%
HK$96,572
+HK$5,539/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$182,066/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$837,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,297
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,853
−HK$2,593/mo
Today · 4.125%
HK$100,446
baseline
▲ 0.50% · 4.625%
HK$105,741
+HK$5,295/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$200,892/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$837,033 · Scale 2, in force from 26 Feb 2026)