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$47,619
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,101
−HK$1,504/mo
Today · 4.125%
HK$50,605
baseline
▲ 0.50% · 4.625%
HK$53,685
+HK$3,080/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,210/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,976
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,397
−HK$1,441/mo
Today · 4.125%
HK$55,838
baseline
▲ 0.50% · 4.625%
HK$58,781
+HK$2,943/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,676/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,143
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,921
−HK$1,806/mo
Today · 4.125%
HK$60,727
baseline
▲ 0.50% · 4.625%
HK$64,422
+HK$3,695/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,454/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,571
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,276
−HK$1,730/mo
Today · 4.125%
HK$67,006
baseline
▲ 0.50% · 4.625%
HK$70,538
+HK$3,532/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$134,012/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,667
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,741
−HK$2,107/mo
Today · 4.125%
HK$70,848
baseline
▲ 0.50% · 4.625%
HK$75,159
+HK$4,311/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$141,696/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,166
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,155
−HK$2,018/mo
Today · 4.125%
HK$78,173
baseline
▲ 0.50% · 4.625%
HK$82,294
+HK$4,121/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$156,346/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,715
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,381
−HK$2,709/mo
Today · 4.125%
HK$91,090
baseline
▲ 0.50% · 4.625%
HK$96,632
+HK$5,542/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,180/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,357
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,914
−HK$2,595/mo
Today · 4.125%
HK$100,509
baseline
▲ 0.50% · 4.625%
HK$105,807
+HK$5,298/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$201,018/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,331 · Scale 2, in force from 26 Feb 2026)