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$47,715
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,199
−HK$1,508/mo
Today · 4.125%
HK$50,707
baseline
▲ 0.50% · 4.625%
HK$53,793
+HK$3,086/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,414/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,083
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,506
−HK$1,445/mo
Today · 4.125%
HK$55,951
baseline
▲ 0.50% · 4.625%
HK$58,900
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,902/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,258
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,039
−HK$1,810/mo
Today · 4.125%
HK$60,849
baseline
▲ 0.50% · 4.625%
HK$64,551
+HK$3,702/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,698/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,699
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,408
−HK$1,733/mo
Today · 4.125%
HK$67,141
baseline
▲ 0.50% · 4.625%
HK$70,680
+HK$3,539/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,282/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,801
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,879
−HK$2,111/mo
Today · 4.125%
HK$70,990
baseline
▲ 0.50% · 4.625%
HK$75,310
+HK$4,320/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$141,980/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,316
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,309
−HK$2,022/mo
Today · 4.125%
HK$78,331
baseline
▲ 0.50% · 4.625%
HK$82,460
+HK$4,129/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,662/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,887
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,559
−HK$2,714/mo
Today · 4.125%
HK$91,273
baseline
▲ 0.50% · 4.625%
HK$96,827
+HK$5,554/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,546/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,549
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,111
−HK$2,600/mo
Today · 4.125%
HK$100,711
baseline
▲ 0.50% · 4.625%
HK$106,020
+HK$5,309/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,422/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,537 · Scale 2, in force from 26 Feb 2026)