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$47,628
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,110
−HK$1,505/mo
Today · 4.125%
HK$50,615
baseline
▲ 0.50% · 4.625%
HK$53,695
+HK$3,080/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,230/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,986
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,407
−HK$1,442/mo
Today · 4.125%
HK$55,849
baseline
▲ 0.50% · 4.625%
HK$58,793
+HK$2,944/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,698/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,154
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,932
−HK$1,806/mo
Today · 4.125%
HK$60,738
baseline
▲ 0.50% · 4.625%
HK$64,434
+HK$3,696/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,476/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,583
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,289
−HK$1,730/mo
Today · 4.125%
HK$67,019
baseline
▲ 0.50% · 4.625%
HK$70,551
+HK$3,532/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$134,038/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,680
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,754
−HK$2,107/mo
Today · 4.125%
HK$70,861
baseline
▲ 0.50% · 4.625%
HK$75,173
+HK$4,312/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,722/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,181
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,170
−HK$2,018/mo
Today · 4.125%
HK$78,188
baseline
▲ 0.50% · 4.625%
HK$82,310
+HK$4,122/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,376/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,731
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,398
−HK$2,709/mo
Today · 4.125%
HK$91,107
baseline
▲ 0.50% · 4.625%
HK$96,651
+HK$5,544/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,214/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,375
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,933
−HK$2,595/mo
Today · 4.125%
HK$100,528
baseline
▲ 0.50% · 4.625%
HK$105,827
+HK$5,299/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,056/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,735 · Scale 2, in force from 26 Feb 2026)