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$47,552
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,031
−HK$1,503/mo
Today · 4.125%
HK$50,534
baseline
▲ 0.50% · 4.625%
HK$53,609
+HK$3,075/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,068/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,901
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,320
−HK$1,439/mo
Today · 4.125%
HK$55,759
baseline
▲ 0.50% · 4.625%
HK$58,698
+HK$2,939/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,518/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,062
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,837
−HK$1,804/mo
Today · 4.125%
HK$60,641
baseline
▲ 0.50% · 4.625%
HK$64,331
+HK$3,690/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,282/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,481
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,184
−HK$1,727/mo
Today · 4.125%
HK$66,911
baseline
▲ 0.50% · 4.625%
HK$70,438
+HK$3,527/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,822/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,573
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,644
−HK$2,104/mo
Today · 4.125%
HK$70,748
baseline
▲ 0.50% · 4.625%
HK$75,052
+HK$4,304/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,496/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,062
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,048
−HK$2,015/mo
Today · 4.125%
HK$78,063
baseline
▲ 0.50% · 4.625%
HK$82,178
+HK$4,115/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,126/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,594
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,256
−HK$2,705/mo
Today · 4.125%
HK$90,961
baseline
▲ 0.50% · 4.625%
HK$96,496
+HK$5,535/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,922/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,222
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,776
−HK$2,591/mo
Today · 4.125%
HK$100,367
baseline
▲ 0.50% · 4.625%
HK$105,657
+HK$5,290/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,734/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,380 · Scale 2, in force from 26 Feb 2026)