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$47,574
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,053
−HK$1,504/mo
Today · 4.125%
HK$50,557
baseline
▲ 0.50% · 4.625%
HK$53,633
+HK$3,076/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,114/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,925
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,345
−HK$1,440/mo
Today · 4.125%
HK$55,785
baseline
▲ 0.50% · 4.625%
HK$58,725
+HK$2,940/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,570/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,088
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,864
−HK$1,804/mo
Today · 4.125%
HK$60,668
baseline
▲ 0.50% · 4.625%
HK$64,360
+HK$3,692/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,336/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,510
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,214
−HK$1,727/mo
Today · 4.125%
HK$66,941
baseline
▲ 0.50% · 4.625%
HK$70,470
+HK$3,529/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,882/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,603
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,675
−HK$2,105/mo
Today · 4.125%
HK$70,780
baseline
▲ 0.50% · 4.625%
HK$75,086
+HK$4,306/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,560/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,095
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,082
−HK$2,016/mo
Today · 4.125%
HK$78,098
baseline
▲ 0.50% · 4.625%
HK$82,215
+HK$4,117/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,196/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,633
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,296
−HK$2,706/mo
Today · 4.125%
HK$91,002
baseline
▲ 0.50% · 4.625%
HK$96,540
+HK$5,538/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$182,004/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,265
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,820
−HK$2,592/mo
Today · 4.125%
HK$100,412
baseline
▲ 0.50% · 4.625%
HK$105,705
+HK$5,293/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$200,824/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,328 · Scale 2, in force from 26 Feb 2026)