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$47,570
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,050
−HK$1,503/mo
Today · 4.125%
HK$50,553
baseline
▲ 0.50% · 4.625%
HK$53,629
+HK$3,076/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,106/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,921
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,340
−HK$1,440/mo
Today · 4.125%
HK$55,780
baseline
▲ 0.50% · 4.625%
HK$58,720
+HK$2,940/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,560/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,084
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,860
−HK$1,804/mo
Today · 4.125%
HK$60,664
baseline
▲ 0.50% · 4.625%
HK$64,355
+HK$3,691/mo
Deposit HK$8.34M · loan HK$12.52M · min. income ≈ HK$121,328/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,505
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,208
−HK$1,728/mo
Today · 4.125%
HK$66,936
baseline
▲ 0.50% · 4.625%
HK$70,465
+HK$3,529/mo
Deposit HK$8.34M · loan HK$12.52M · min. income ≈ HK$133,872/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,598
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,669
−HK$2,105/mo
Today · 4.125%
HK$70,774
baseline
▲ 0.50% · 4.625%
HK$75,081
+HK$4,307/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,548/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,089
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,077
−HK$2,015/mo
Today · 4.125%
HK$78,092
baseline
▲ 0.50% · 4.625%
HK$82,209
+HK$4,117/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,184/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,626
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,289
−HK$2,706/mo
Today · 4.125%
HK$90,995
baseline
▲ 0.50% · 4.625%
HK$96,532
+HK$5,537/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$181,990/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,258
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,813
−HK$2,591/mo
Today · 4.125%
HK$100,404
baseline
▲ 0.50% · 4.625%
HK$105,697
+HK$5,293/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$200,808/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,166 · Scale 2, in force from 26 Feb 2026)