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$47,684
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,167
−HK$1,507/mo
Today · 4.125%
HK$50,674
baseline
▲ 0.50% · 4.625%
HK$53,757
+HK$3,083/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,348/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,048
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,470
−HK$1,444/mo
Today · 4.125%
HK$55,914
baseline
▲ 0.50% · 4.625%
HK$58,861
+HK$2,947/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,828/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,220
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,000
−HK$1,809/mo
Today · 4.125%
HK$60,809
baseline
▲ 0.50% · 4.625%
HK$64,509
+HK$3,700/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$121,618/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,657
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,364
−HK$1,732/mo
Today · 4.125%
HK$67,096
baseline
▲ 0.50% · 4.625%
HK$70,633
+HK$3,537/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$134,192/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,757
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,834
−HK$2,109/mo
Today · 4.125%
HK$70,943
baseline
▲ 0.50% · 4.625%
HK$75,260
+HK$4,317/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,886/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$841,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,267
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,258
−HK$2,021/mo
Today · 4.125%
HK$78,279
baseline
▲ 0.50% · 4.625%
HK$82,405
+HK$4,126/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,558/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$841,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,830
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,500
−HK$2,713/mo
Today · 4.125%
HK$91,213
baseline
▲ 0.50% · 4.625%
HK$96,763
+HK$5,550/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,426/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,486
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,046
−HK$2,598/mo
Today · 4.125%
HK$100,644
baseline
▲ 0.50% · 4.625%
HK$105,949
+HK$5,305/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,288/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,151 · Scale 2, in force from 26 Feb 2026)