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$47,628
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,109
−HK$1,506/mo
Today · 4.125%
HK$50,615
baseline
▲ 0.50% · 4.625%
HK$53,694
+HK$3,079/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,230/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,986
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,407
−HK$1,441/mo
Today · 4.125%
HK$55,848
baseline
▲ 0.50% · 4.625%
HK$58,792
+HK$2,944/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,696/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,154
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,931
−HK$1,807/mo
Today · 4.125%
HK$60,738
baseline
▲ 0.50% · 4.625%
HK$64,433
+HK$3,695/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,476/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,583
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,288
−HK$1,730/mo
Today · 4.125%
HK$67,018
baseline
▲ 0.50% · 4.625%
HK$70,551
+HK$3,533/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$134,036/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,679
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,753
−HK$2,107/mo
Today · 4.125%
HK$70,860
baseline
▲ 0.50% · 4.625%
HK$75,172
+HK$4,312/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,720/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,180
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,169
−HK$2,019/mo
Today · 4.125%
HK$78,188
baseline
▲ 0.50% · 4.625%
HK$82,309
+HK$4,121/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,376/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,730
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,397
−HK$2,709/mo
Today · 4.125%
HK$91,106
baseline
▲ 0.50% · 4.625%
HK$96,650
+HK$5,544/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,212/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,374
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,932
−HK$2,595/mo
Today · 4.125%
HK$100,527
baseline
▲ 0.50% · 4.625%
HK$105,826
+HK$5,299/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,054/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,710 · Scale 2, in force from 26 Feb 2026)