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$47,615
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,096
−HK$1,504/mo
Today · 4.125%
HK$50,600
baseline
▲ 0.50% · 4.625%
HK$53,679
+HK$3,079/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,200/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,971
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,391
−HK$1,442/mo
Today · 4.125%
HK$55,833
baseline
▲ 0.50% · 4.625%
HK$58,776
+HK$2,943/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,666/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,137
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,915
−HK$1,805/mo
Today · 4.125%
HK$60,720
baseline
▲ 0.50% · 4.625%
HK$64,415
+HK$3,695/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,440/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,565
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,270
−HK$1,729/mo
Today · 4.125%
HK$66,999
baseline
▲ 0.50% · 4.625%
HK$70,531
+HK$3,532/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$133,998/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,660
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,734
−HK$2,107/mo
Today · 4.125%
HK$70,841
baseline
▲ 0.50% · 4.625%
HK$75,151
+HK$4,310/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$141,682/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,159
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,148
−HK$2,018/mo
Today · 4.125%
HK$78,166
baseline
▲ 0.50% · 4.625%
HK$82,286
+HK$4,120/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$156,332/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,706
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,372
−HK$2,709/mo
Today · 4.125%
HK$91,081
baseline
▲ 0.50% · 4.625%
HK$96,623
+HK$5,542/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,162/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,347
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,904
−HK$2,595/mo
Today · 4.125%
HK$100,499
baseline
▲ 0.50% · 4.625%
HK$105,796
+HK$5,297/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$200,998/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,122 · Scale 2, in force from 26 Feb 2026)