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$47,566
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,045
−HK$1,503/mo
Today · 4.125%
HK$50,548
baseline
▲ 0.50% · 4.625%
HK$53,624
+HK$3,076/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,096/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$835,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,916
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,336
−HK$1,439/mo
Today · 4.125%
HK$55,775
baseline
▲ 0.50% · 4.625%
HK$58,715
+HK$2,940/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,550/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$835,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,079
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,854
−HK$1,804/mo
Today · 4.125%
HK$60,658
baseline
▲ 0.50% · 4.625%
HK$64,349
+HK$3,691/mo
Deposit HK$8.34M · loan HK$12.52M · min. income ≈ HK$121,316/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,500
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,203
−HK$1,727/mo
Today · 4.125%
HK$66,930
baseline
▲ 0.50% · 4.625%
HK$70,458
+HK$3,528/mo
Deposit HK$8.34M · loan HK$12.52M · min. income ≈ HK$133,860/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,592
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,663
−HK$2,105/mo
Today · 4.125%
HK$70,768
baseline
▲ 0.50% · 4.625%
HK$75,074
+HK$4,306/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,536/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,083
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,070
−HK$2,015/mo
Today · 4.125%
HK$78,085
baseline
▲ 0.50% · 4.625%
HK$82,201
+HK$4,116/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,170/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,618
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,281
−HK$2,706/mo
Today · 4.125%
HK$90,987
baseline
▲ 0.50% · 4.625%
HK$96,524
+HK$5,537/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,974/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,249
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,804
−HK$2,591/mo
Today · 4.125%
HK$100,395
baseline
▲ 0.50% · 4.625%
HK$105,687
+HK$5,292/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,790/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,979 · Scale 2, in force from 26 Feb 2026)