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$47,706
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,190
−HK$1,508/mo
Today · 4.125%
HK$50,698
baseline
▲ 0.50% · 4.625%
HK$53,783
+HK$3,085/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,396/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,073
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,496
−HK$1,444/mo
Today · 4.125%
HK$55,940
baseline
▲ 0.50% · 4.625%
HK$58,889
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,880/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,248
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,028
−HK$1,810/mo
Today · 4.125%
HK$60,838
baseline
▲ 0.50% · 4.625%
HK$64,539
+HK$3,701/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,676/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,687
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,396
−HK$1,732/mo
Today · 4.125%
HK$67,128
baseline
▲ 0.50% · 4.625%
HK$70,667
+HK$3,539/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,256/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,789
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,866
−HK$2,111/mo
Today · 4.125%
HK$70,977
baseline
▲ 0.50% · 4.625%
HK$75,296
+HK$4,319/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$141,954/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,302
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,295
−HK$2,021/mo
Today · 4.125%
HK$78,316
baseline
▲ 0.50% · 4.625%
HK$82,445
+HK$4,129/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,632/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,872
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,543
−HK$2,713/mo
Today · 4.125%
HK$91,256
baseline
▲ 0.50% · 4.625%
HK$96,809
+HK$5,553/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,512/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,531
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,093
−HK$2,599/mo
Today · 4.125%
HK$100,692
baseline
▲ 0.50% · 4.625%
HK$106,000
+HK$5,308/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,384/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,151 · Scale 2, in force from 26 Feb 2026)