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$47,710
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,194
−HK$1,508/mo
Today · 4.125%
HK$50,702
baseline
▲ 0.50% · 4.625%
HK$53,787
+HK$3,085/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,404/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,077
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,500
−HK$1,444/mo
Today · 4.125%
HK$55,944
baseline
▲ 0.50% · 4.625%
HK$58,893
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,888/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,252
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,032
−HK$1,810/mo
Today · 4.125%
HK$60,842
baseline
▲ 0.50% · 4.625%
HK$64,544
+HK$3,702/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,684/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,692
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,400
−HK$1,733/mo
Today · 4.125%
HK$67,133
baseline
▲ 0.50% · 4.625%
HK$70,672
+HK$3,539/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,266/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,794
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,871
−HK$2,111/mo
Today · 4.125%
HK$70,982
baseline
▲ 0.50% · 4.625%
HK$75,301
+HK$4,319/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$141,964/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,307
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,300
−HK$2,022/mo
Today · 4.125%
HK$78,322
baseline
▲ 0.50% · 4.625%
HK$82,450
+HK$4,128/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,644/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,877
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,549
−HK$2,714/mo
Today · 4.125%
HK$91,263
baseline
▲ 0.50% · 4.625%
HK$96,816
+HK$5,553/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,526/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,538
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,100
−HK$2,599/mo
Today · 4.125%
HK$100,699
baseline
▲ 0.50% · 4.625%
HK$106,007
+HK$5,308/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,398/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,296 · Scale 2, in force from 26 Feb 2026)