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$47,627
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,109
−HK$1,505/mo
Today · 4.125%
HK$50,614
baseline
▲ 0.50% · 4.625%
HK$53,694
+HK$3,080/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,228/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,985
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,406
−HK$1,441/mo
Today · 4.125%
HK$55,847
baseline
▲ 0.50% · 4.625%
HK$58,791
+HK$2,944/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,694/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,153
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,930
−HK$1,807/mo
Today · 4.125%
HK$60,737
baseline
▲ 0.50% · 4.625%
HK$64,432
+HK$3,695/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,474/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,582
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,287
−HK$1,730/mo
Today · 4.125%
HK$67,017
baseline
▲ 0.50% · 4.625%
HK$70,549
+HK$3,532/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$134,034/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,678
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,752
−HK$2,107/mo
Today · 4.125%
HK$70,859
baseline
▲ 0.50% · 4.625%
HK$75,171
+HK$4,312/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,718/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,179
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,168
−HK$2,018/mo
Today · 4.125%
HK$78,186
baseline
▲ 0.50% · 4.625%
HK$82,308
+HK$4,122/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,372/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,729
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,396
−HK$2,709/mo
Today · 4.125%
HK$91,105
baseline
▲ 0.50% · 4.625%
HK$96,649
+HK$5,544/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,210/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,373
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,931
−HK$2,594/mo
Today · 4.125%
HK$100,525
baseline
▲ 0.50% · 4.625%
HK$105,824
+HK$5,299/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,050/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,679 · Scale 2, in force from 26 Feb 2026)