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$47,560
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,040
−HK$1,503/mo
Today · 4.125%
HK$50,543
baseline
▲ 0.50% · 4.625%
HK$53,618
+HK$3,075/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,086/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,911
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,330
−HK$1,439/mo
Today · 4.125%
HK$55,769
baseline
▲ 0.50% · 4.625%
HK$58,709
+HK$2,940/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,538/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,073
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,848
−HK$1,804/mo
Today · 4.125%
HK$60,652
baseline
▲ 0.50% · 4.625%
HK$64,342
+HK$3,690/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,304/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,493
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,195
−HK$1,728/mo
Today · 4.125%
HK$66,923
baseline
▲ 0.50% · 4.625%
HK$70,451
+HK$3,528/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,846/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,585
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,656
−HK$2,104/mo
Today · 4.125%
HK$70,760
baseline
▲ 0.50% · 4.625%
HK$75,066
+HK$4,306/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,520/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,075
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,061
−HK$2,016/mo
Today · 4.125%
HK$78,077
baseline
▲ 0.50% · 4.625%
HK$82,192
+HK$4,115/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,154/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,609
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,272
−HK$2,705/mo
Today · 4.125%
HK$90,977
baseline
▲ 0.50% · 4.625%
HK$96,513
+HK$5,536/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,954/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,239
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,793
−HK$2,591/mo
Today · 4.125%
HK$100,384
baseline
▲ 0.50% · 4.625%
HK$105,676
+HK$5,292/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,768/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,751 · Scale 2, in force from 26 Feb 2026)