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$47,626
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,108
−HK$1,505/mo
Today · 4.125%
HK$50,613
baseline
▲ 0.50% · 4.625%
HK$53,693
+HK$3,080/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,226/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,984
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,405
−HK$1,441/mo
Today · 4.125%
HK$55,846
baseline
▲ 0.50% · 4.625%
HK$58,790
+HK$2,944/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,692/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,152
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,929
−HK$1,807/mo
Today · 4.125%
HK$60,736
baseline
▲ 0.50% · 4.625%
HK$64,431
+HK$3,695/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,472/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,581
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,286
−HK$1,730/mo
Today · 4.125%
HK$67,016
baseline
▲ 0.50% · 4.625%
HK$70,548
+HK$3,532/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$134,032/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,677
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,751
−HK$2,107/mo
Today · 4.125%
HK$70,858
baseline
▲ 0.50% · 4.625%
HK$75,170
+HK$4,312/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,716/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,177
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,167
−HK$2,018/mo
Today · 4.125%
HK$78,185
baseline
▲ 0.50% · 4.625%
HK$82,306
+HK$4,121/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,370/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,727
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,394
−HK$2,709/mo
Today · 4.125%
HK$91,103
baseline
▲ 0.50% · 4.625%
HK$96,647
+HK$5,544/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,206/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,371
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,929
−HK$2,594/mo
Today · 4.125%
HK$100,523
baseline
▲ 0.50% · 4.625%
HK$105,822
+HK$5,299/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,046/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,640 · Scale 2, in force from 26 Feb 2026)