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$47,722
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,206
−HK$1,508/mo
Today · 4.125%
HK$50,714
baseline
▲ 0.50% · 4.625%
HK$53,800
+HK$3,086/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,428/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,090
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,514
−HK$1,444/mo
Today · 4.125%
HK$55,958
baseline
▲ 0.50% · 4.625%
HK$58,908
+HK$2,950/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,916/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,266
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,047
−HK$1,810/mo
Today · 4.125%
HK$60,857
baseline
▲ 0.50% · 4.625%
HK$64,560
+HK$3,703/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,714/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,708
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,417
−HK$1,733/mo
Today · 4.125%
HK$67,150
baseline
▲ 0.50% · 4.625%
HK$70,689
+HK$3,539/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,300/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,810
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,889
−HK$2,111/mo
Today · 4.125%
HK$71,000
baseline
▲ 0.50% · 4.625%
HK$75,320
+HK$4,320/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,000/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,326
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,319
−HK$2,023/mo
Today · 4.125%
HK$78,342
baseline
▲ 0.50% · 4.625%
HK$82,471
+HK$4,129/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,684/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,899
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,571
−HK$2,715/mo
Today · 4.125%
HK$91,286
baseline
▲ 0.50% · 4.625%
HK$96,840
+HK$5,554/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,572/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,562
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,125
−HK$2,600/mo
Today · 4.125%
HK$100,725
baseline
▲ 0.50% · 4.625%
HK$106,034
+HK$5,309/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,450/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,824 · Scale 2, in force from 26 Feb 2026)