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$47,612
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,093
−HK$1,505/mo
Today · 4.125%
HK$50,598
baseline
▲ 0.50% · 4.625%
HK$53,677
+HK$3,079/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,196/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,968
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,389
−HK$1,441/mo
Today · 4.125%
HK$55,830
baseline
▲ 0.50% · 4.625%
HK$58,773
+HK$2,943/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,660/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,135
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,912
−HK$1,806/mo
Today · 4.125%
HK$60,718
baseline
▲ 0.50% · 4.625%
HK$64,412
+HK$3,694/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,436/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,562
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,267
−HK$1,729/mo
Today · 4.125%
HK$66,996
baseline
▲ 0.50% · 4.625%
HK$70,527
+HK$3,531/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$133,992/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,657
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,731
−HK$2,106/mo
Today · 4.125%
HK$70,837
baseline
▲ 0.50% · 4.625%
HK$75,148
+HK$4,311/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$141,674/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,156
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,144
−HK$2,018/mo
Today · 4.125%
HK$78,162
baseline
▲ 0.50% · 4.625%
HK$82,282
+HK$4,120/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$156,324/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,702
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,368
−HK$2,708/mo
Today · 4.125%
HK$91,076
baseline
▲ 0.50% · 4.625%
HK$96,618
+HK$5,542/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,152/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,343
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,900
−HK$2,594/mo
Today · 4.125%
HK$100,494
baseline
▲ 0.50% · 4.625%
HK$105,791
+HK$5,297/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$200,988/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,026 · Scale 2, in force from 26 Feb 2026)