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$47,574
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,054
−HK$1,504/mo
Today · 4.125%
HK$50,558
baseline
▲ 0.50% · 4.625%
HK$53,634
+HK$3,076/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,116/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,926
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,345
−HK$1,440/mo
Today · 4.125%
HK$55,785
baseline
▲ 0.50% · 4.625%
HK$58,726
+HK$2,941/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,570/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,089
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,865
−HK$1,804/mo
Today · 4.125%
HK$60,669
baseline
▲ 0.50% · 4.625%
HK$64,361
+HK$3,692/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,338/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,511
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,215
−HK$1,728/mo
Today · 4.125%
HK$66,943
baseline
▲ 0.50% · 4.625%
HK$70,471
+HK$3,528/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,886/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,604
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,676
−HK$2,105/mo
Today · 4.125%
HK$70,781
baseline
▲ 0.50% · 4.625%
HK$75,088
+HK$4,307/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,562/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,096
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,084
−HK$2,016/mo
Today · 4.125%
HK$78,100
baseline
▲ 0.50% · 4.625%
HK$82,216
+HK$4,116/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,200/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,634
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,298
−HK$2,706/mo
Today · 4.125%
HK$91,004
baseline
▲ 0.50% · 4.625%
HK$96,541
+HK$5,537/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$182,008/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,267
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,822
−HK$2,592/mo
Today · 4.125%
HK$100,414
baseline
▲ 0.50% · 4.625%
HK$105,707
+HK$5,293/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$200,828/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,361 · Scale 2, in force from 26 Feb 2026)