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$47,605
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,085
−HK$1,505/mo
Today · 4.125%
HK$50,590
baseline
▲ 0.50% · 4.625%
HK$53,668
+HK$3,078/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,180/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,960
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,380
−HK$1,441/mo
Today · 4.125%
HK$55,821
baseline
▲ 0.50% · 4.625%
HK$58,763
+HK$2,942/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,642/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,125
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,902
−HK$1,806/mo
Today · 4.125%
HK$60,708
baseline
▲ 0.50% · 4.625%
HK$64,402
+HK$3,694/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,416/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,551
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,256
−HK$1,729/mo
Today · 4.125%
HK$66,985
baseline
▲ 0.50% · 4.625%
HK$70,516
+HK$3,531/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$133,970/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,646
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,719
−HK$2,107/mo
Today · 4.125%
HK$70,826
baseline
▲ 0.50% · 4.625%
HK$75,135
+HK$4,309/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,652/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,143
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,132
−HK$2,017/mo
Today · 4.125%
HK$78,149
baseline
▲ 0.50% · 4.625%
HK$82,268
+HK$4,119/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,298/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,688
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,354
−HK$2,708/mo
Today · 4.125%
HK$91,062
baseline
▲ 0.50% · 4.625%
HK$96,602
+HK$5,540/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,124/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,327
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,884
−HK$2,593/mo
Today · 4.125%
HK$100,477
baseline
▲ 0.50% · 4.625%
HK$105,774
+HK$5,297/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$200,954/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,684 · Scale 2, in force from 26 Feb 2026)