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$47,555
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,034
−HK$1,503/mo
Today · 4.125%
HK$50,537
baseline
▲ 0.50% · 4.625%
HK$53,612
+HK$3,075/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,074/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,905
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,324
−HK$1,439/mo
Today · 4.125%
HK$55,763
baseline
▲ 0.50% · 4.625%
HK$58,702
+HK$2,939/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,526/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,066
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,841
−HK$1,804/mo
Today · 4.125%
HK$60,645
baseline
▲ 0.50% · 4.625%
HK$64,335
+HK$3,690/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,290/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,486
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,188
−HK$1,727/mo
Today · 4.125%
HK$66,915
baseline
▲ 0.50% · 4.625%
HK$70,443
+HK$3,528/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,830/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,577
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,648
−HK$2,104/mo
Today · 4.125%
HK$70,752
baseline
▲ 0.50% · 4.625%
HK$75,057
+HK$4,305/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,504/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,066
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,053
−HK$2,015/mo
Today · 4.125%
HK$78,068
baseline
▲ 0.50% · 4.625%
HK$82,183
+HK$4,115/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,136/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,599
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,262
−HK$2,705/mo
Today · 4.125%
HK$90,967
baseline
▲ 0.50% · 4.625%
HK$96,502
+HK$5,535/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,934/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,228
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,782
−HK$2,591/mo
Today · 4.125%
HK$100,373
baseline
▲ 0.50% · 4.625%
HK$105,664
+HK$5,291/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,746/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,518 · Scale 2, in force from 26 Feb 2026)