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$47,609
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,090
−HK$1,504/mo
Today · 4.125%
HK$50,594
baseline
▲ 0.50% · 4.625%
HK$53,673
+HK$3,079/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,188/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,964
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,385
−HK$1,441/mo
Today · 4.125%
HK$55,826
baseline
▲ 0.50% · 4.625%
HK$58,768
+HK$2,942/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,652/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,130
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,908
−HK$1,805/mo
Today · 4.125%
HK$60,713
baseline
▲ 0.50% · 4.625%
HK$64,407
+HK$3,694/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,426/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,557
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,262
−HK$1,729/mo
Today · 4.125%
HK$66,991
baseline
▲ 0.50% · 4.625%
HK$70,522
+HK$3,531/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$133,982/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,652
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,725
−HK$2,107/mo
Today · 4.125%
HK$70,832
baseline
▲ 0.50% · 4.625%
HK$75,142
+HK$4,310/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$141,664/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,150
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,139
−HK$2,017/mo
Today · 4.125%
HK$78,156
baseline
▲ 0.50% · 4.625%
HK$82,276
+HK$4,120/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$156,312/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,696
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,361
−HK$2,709/mo
Today · 4.125%
HK$91,070
baseline
▲ 0.50% · 4.625%
HK$96,611
+HK$5,541/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,140/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,336
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,892
−HK$2,594/mo
Today · 4.125%
HK$100,486
baseline
▲ 0.50% · 4.625%
HK$105,783
+HK$5,297/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$200,972/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,867 · Scale 2, in force from 26 Feb 2026)