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$47,587
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,067
−HK$1,504/mo
Today · 4.125%
HK$50,571
baseline
▲ 0.50% · 4.625%
HK$53,648
+HK$3,077/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,142/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,940
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,360
−HK$1,440/mo
Today · 4.125%
HK$55,800
baseline
▲ 0.50% · 4.625%
HK$58,742
+HK$2,942/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,600/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,105
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,881
−HK$1,805/mo
Today · 4.125%
HK$60,686
baseline
▲ 0.50% · 4.625%
HK$64,378
+HK$3,692/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,372/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,528
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,232
−HK$1,729/mo
Today · 4.125%
HK$66,961
baseline
▲ 0.50% · 4.625%
HK$70,490
+HK$3,529/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,922/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,622
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,694
−HK$2,106/mo
Today · 4.125%
HK$70,800
baseline
▲ 0.50% · 4.625%
HK$75,108
+HK$4,308/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,600/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,116
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,104
−HK$2,017/mo
Today · 4.125%
HK$78,121
baseline
▲ 0.50% · 4.625%
HK$82,238
+HK$4,117/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,242/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,657
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,321
−HK$2,707/mo
Today · 4.125%
HK$91,028
baseline
▲ 0.50% · 4.625%
HK$96,567
+HK$5,539/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$182,056/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,292
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,848
−HK$2,593/mo
Today · 4.125%
HK$100,441
baseline
▲ 0.50% · 4.625%
HK$105,735
+HK$5,294/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$200,882/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,922 · Scale 2, in force from 26 Feb 2026)