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$47,630
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,111
−HK$1,506/mo
Today · 4.125%
HK$50,617
baseline
▲ 0.50% · 4.625%
HK$53,697
+HK$3,080/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,234/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,988
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,409
−HK$1,442/mo
Today · 4.125%
HK$55,851
baseline
▲ 0.50% · 4.625%
HK$58,794
+HK$2,943/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,702/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,156
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,934
−HK$1,806/mo
Today · 4.125%
HK$60,740
baseline
▲ 0.50% · 4.625%
HK$64,436
+HK$3,696/mo
Deposit HK$8.36M · loan HK$12.53M · min. income ≈ HK$121,480/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,585
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,291
−HK$1,730/mo
Today · 4.125%
HK$67,021
baseline
▲ 0.50% · 4.625%
HK$70,553
+HK$3,532/mo
Deposit HK$8.36M · loan HK$12.53M · min. income ≈ HK$134,042/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,682
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,756
−HK$2,107/mo
Today · 4.125%
HK$70,863
baseline
▲ 0.50% · 4.625%
HK$75,175
+HK$4,312/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,726/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$838,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,183
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,172
−HK$2,019/mo
Today · 4.125%
HK$78,191
baseline
▲ 0.50% · 4.625%
HK$82,312
+HK$4,121/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,382/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$838,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,734
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,401
−HK$2,709/mo
Today · 4.125%
HK$91,110
baseline
▲ 0.50% · 4.625%
HK$96,654
+HK$5,544/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,220/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,378
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,936
−HK$2,595/mo
Today · 4.125%
HK$100,531
baseline
▲ 0.50% · 4.625%
HK$105,830
+HK$5,299/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,062/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,795 · Scale 2, in force from 26 Feb 2026)