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$47,558
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,038
−HK$1,503/mo
Today · 4.125%
HK$50,541
baseline
▲ 0.50% · 4.625%
HK$53,616
+HK$3,075/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,082/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,908
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,327
−HK$1,440/mo
Today · 4.125%
HK$55,767
baseline
▲ 0.50% · 4.625%
HK$58,706
+HK$2,939/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,534/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,070
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,845
−HK$1,804/mo
Today · 4.125%
HK$60,649
baseline
▲ 0.50% · 4.625%
HK$64,339
+HK$3,690/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,298/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,490
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,193
−HK$1,727/mo
Today · 4.125%
HK$66,920
baseline
▲ 0.50% · 4.625%
HK$70,447
+HK$3,527/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,840/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,582
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,653
−HK$2,104/mo
Today · 4.125%
HK$70,757
baseline
▲ 0.50% · 4.625%
HK$75,062
+HK$4,305/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,514/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,071
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,058
−HK$2,015/mo
Today · 4.125%
HK$78,073
baseline
▲ 0.50% · 4.625%
HK$82,189
+HK$4,116/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,146/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,605
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,268
−HK$2,705/mo
Today · 4.125%
HK$90,973
baseline
▲ 0.50% · 4.625%
HK$96,509
+HK$5,536/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,946/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,235
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,789
−HK$2,591/mo
Today · 4.125%
HK$100,380
baseline
▲ 0.50% · 4.625%
HK$105,671
+HK$5,291/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,760/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,657 · Scale 2, in force from 26 Feb 2026)