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$47,550
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,029
−HK$1,502/mo
Today · 4.125%
HK$50,531
baseline
▲ 0.50% · 4.625%
HK$53,606
+HK$3,075/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,062/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,899
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,317
−HK$1,439/mo
Today · 4.125%
HK$55,756
baseline
▲ 0.50% · 4.625%
HK$58,695
+HK$2,939/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,512/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,060
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,835
−HK$1,803/mo
Today · 4.125%
HK$60,638
baseline
▲ 0.50% · 4.625%
HK$64,327
+HK$3,689/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,276/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,478
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,181
−HK$1,727/mo
Today · 4.125%
HK$66,908
baseline
▲ 0.50% · 4.625%
HK$70,435
+HK$3,527/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,816/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,570
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,640
−HK$2,104/mo
Today · 4.125%
HK$70,744
baseline
▲ 0.50% · 4.625%
HK$75,049
+HK$4,305/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,488/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,058
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,044
−HK$2,015/mo
Today · 4.125%
HK$78,059
baseline
▲ 0.50% · 4.625%
HK$82,174
+HK$4,115/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,118/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,589
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,252
−HK$2,705/mo
Today · 4.125%
HK$90,957
baseline
▲ 0.50% · 4.625%
HK$96,491
+HK$5,534/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,914/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,217
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,771
−HK$2,591/mo
Today · 4.125%
HK$100,362
baseline
▲ 0.50% · 4.625%
HK$105,652
+HK$5,290/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,724/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,279 · Scale 2, in force from 26 Feb 2026)