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$47,578
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,058
−HK$1,504/mo
Today · 4.125%
HK$50,562
baseline
▲ 0.50% · 4.625%
HK$53,638
+HK$3,076/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,124/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,930
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,350
−HK$1,440/mo
Today · 4.125%
HK$55,790
baseline
▲ 0.50% · 4.625%
HK$58,731
+HK$2,941/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,580/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,094
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,870
−HK$1,804/mo
Today · 4.125%
HK$60,674
baseline
▲ 0.50% · 4.625%
HK$64,366
+HK$3,692/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,348/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,516
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,220
−HK$1,728/mo
Today · 4.125%
HK$66,948
baseline
▲ 0.50% · 4.625%
HK$70,477
+HK$3,529/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,896/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,610
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,682
−HK$2,105/mo
Today · 4.125%
HK$70,787
baseline
▲ 0.50% · 4.625%
HK$75,094
+HK$4,307/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,574/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,103
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,090
−HK$2,016/mo
Today · 4.125%
HK$78,106
baseline
▲ 0.50% · 4.625%
HK$82,223
+HK$4,117/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,212/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,641
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,305
−HK$2,706/mo
Today · 4.125%
HK$91,011
baseline
▲ 0.50% · 4.625%
HK$96,549
+HK$5,538/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$182,022/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,275
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,830
−HK$2,592/mo
Today · 4.125%
HK$100,422
baseline
▲ 0.50% · 4.625%
HK$105,716
+HK$5,294/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$200,844/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,534 · Scale 2, in force from 26 Feb 2026)