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$47,755
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,240
−HK$1,509/mo
Today · 4.125%
HK$50,749
baseline
▲ 0.50% · 4.625%
HK$53,837
+HK$3,088/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,498/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$844,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,127
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,551
−HK$1,446/mo
Today · 4.125%
HK$55,997
baseline
▲ 0.50% · 4.625%
HK$58,948
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,994/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$844,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,306
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,088
−HK$1,811/mo
Today · 4.125%
HK$60,899
baseline
▲ 0.50% · 4.625%
HK$64,605
+HK$3,706/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,798/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,752
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,462
−HK$1,734/mo
Today · 4.125%
HK$67,196
baseline
▲ 0.50% · 4.625%
HK$70,738
+HK$3,542/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,392/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,856
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,936
−HK$2,113/mo
Today · 4.125%
HK$71,049
baseline
▲ 0.50% · 4.625%
HK$75,372
+HK$4,323/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$142,098/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,377
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,372
−HK$2,024/mo
Today · 4.125%
HK$78,396
baseline
▲ 0.50% · 4.625%
HK$82,528
+HK$4,132/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$156,792/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,958
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,632
−HK$2,717/mo
Today · 4.125%
HK$91,349
baseline
▲ 0.50% · 4.625%
HK$96,907
+HK$5,558/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$182,698/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,628
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,192
−HK$2,602/mo
Today · 4.125%
HK$100,794
baseline
▲ 0.50% · 4.625%
HK$106,107
+HK$5,313/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$201,588/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,267 · Scale 2, in force from 26 Feb 2026)