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$47,569
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,048
−HK$1,504/mo
Today · 4.125%
HK$50,552
baseline
▲ 0.50% · 4.625%
HK$53,628
+HK$3,076/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,104/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,920
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,339
−HK$1,440/mo
Today · 4.125%
HK$55,779
baseline
▲ 0.50% · 4.625%
HK$58,719
+HK$2,940/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,558/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,082
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,858
−HK$1,804/mo
Today · 4.125%
HK$60,662
baseline
▲ 0.50% · 4.625%
HK$64,353
+HK$3,691/mo
Deposit HK$8.34M · loan HK$12.52M · min. income ≈ HK$121,324/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,504
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,207
−HK$1,728/mo
Today · 4.125%
HK$66,935
baseline
▲ 0.50% · 4.625%
HK$70,463
+HK$3,528/mo
Deposit HK$8.34M · loan HK$12.52M · min. income ≈ HK$133,870/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,596
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,668
−HK$2,104/mo
Today · 4.125%
HK$70,772
baseline
▲ 0.50% · 4.625%
HK$75,079
+HK$4,307/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,544/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$836,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,088
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,075
−HK$2,015/mo
Today · 4.125%
HK$78,090
baseline
▲ 0.50% · 4.625%
HK$82,207
+HK$4,117/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,180/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$836,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,624
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,287
−HK$2,706/mo
Today · 4.125%
HK$90,993
baseline
▲ 0.50% · 4.625%
HK$96,530
+HK$5,537/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,986/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,255
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,810
−HK$2,592/mo
Today · 4.125%
HK$100,402
baseline
▲ 0.50% · 4.625%
HK$105,694
+HK$5,292/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,804/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,112 · Scale 2, in force from 26 Feb 2026)