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$47,585
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,065
−HK$1,504/mo
Today · 4.125%
HK$50,569
baseline
▲ 0.50% · 4.625%
HK$53,646
+HK$3,077/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,138/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,938
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,358
−HK$1,440/mo
Today · 4.125%
HK$55,798
baseline
▲ 0.50% · 4.625%
HK$58,739
+HK$2,941/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,596/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,102
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,879
−HK$1,804/mo
Today · 4.125%
HK$60,683
baseline
▲ 0.50% · 4.625%
HK$64,376
+HK$3,693/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,366/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,526
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,229
−HK$1,729/mo
Today · 4.125%
HK$66,958
baseline
▲ 0.50% · 4.625%
HK$70,487
+HK$3,529/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,916/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,619
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,692
−HK$2,105/mo
Today · 4.125%
HK$70,797
baseline
▲ 0.50% · 4.625%
HK$75,105
+HK$4,308/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,594/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,113
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,101
−HK$2,016/mo
Today · 4.125%
HK$78,117
baseline
▲ 0.50% · 4.625%
HK$82,235
+HK$4,118/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,234/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,653
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,318
−HK$2,707/mo
Today · 4.125%
HK$91,025
baseline
▲ 0.50% · 4.625%
HK$96,563
+HK$5,538/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$182,050/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,289
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,844
−HK$2,593/mo
Today · 4.125%
HK$100,437
baseline
▲ 0.50% · 4.625%
HK$105,731
+HK$5,294/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$200,874/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,838 · Scale 2, in force from 26 Feb 2026)