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$47,620
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,101
−HK$1,505/mo
Today · 4.125%
HK$50,606
baseline
▲ 0.50% · 4.625%
HK$53,685
+HK$3,079/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,212/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,977
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,397
−HK$1,442/mo
Today · 4.125%
HK$55,839
baseline
▲ 0.50% · 4.625%
HK$58,782
+HK$2,943/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,678/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,144
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,921
−HK$1,806/mo
Today · 4.125%
HK$60,727
baseline
▲ 0.50% · 4.625%
HK$64,422
+HK$3,695/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,454/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,572
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,277
−HK$1,729/mo
Today · 4.125%
HK$67,006
baseline
▲ 0.50% · 4.625%
HK$70,538
+HK$3,532/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$134,012/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,668
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,741
−HK$2,107/mo
Today · 4.125%
HK$70,848
baseline
▲ 0.50% · 4.625%
HK$75,159
+HK$4,311/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,696/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,167
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,156
−HK$2,018/mo
Today · 4.125%
HK$78,174
baseline
▲ 0.50% · 4.625%
HK$82,295
+HK$4,121/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,348/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,716
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,382
−HK$2,709/mo
Today · 4.125%
HK$91,091
baseline
▲ 0.50% · 4.625%
HK$96,633
+HK$5,542/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,182/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,358
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,915
−HK$2,595/mo
Today · 4.125%
HK$100,510
baseline
▲ 0.50% · 4.625%
HK$105,808
+HK$5,298/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,020/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,353 · Scale 2, in force from 26 Feb 2026)