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$47,547
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,026
−HK$1,503/mo
Today · 4.125%
HK$50,529
baseline
▲ 0.50% · 4.625%
HK$53,603
+HK$3,074/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,058/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,896
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,314
−HK$1,439/mo
Today · 4.125%
HK$55,753
baseline
▲ 0.50% · 4.625%
HK$58,692
+HK$2,939/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,506/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,057
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,831
−HK$1,803/mo
Today · 4.125%
HK$60,634
baseline
▲ 0.50% · 4.625%
HK$64,324
+HK$3,690/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,268/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,475
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,177
−HK$1,727/mo
Today · 4.125%
HK$66,904
baseline
▲ 0.50% · 4.625%
HK$70,431
+HK$3,527/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,808/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,566
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,637
−HK$2,103/mo
Today · 4.125%
HK$70,740
baseline
▲ 0.50% · 4.625%
HK$75,045
+HK$4,305/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,480/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,054
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,040
−HK$2,015/mo
Today · 4.125%
HK$78,055
baseline
▲ 0.50% · 4.625%
HK$82,169
+HK$4,114/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,110/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,585
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,247
−HK$2,705/mo
Today · 4.125%
HK$90,952
baseline
▲ 0.50% · 4.625%
HK$96,486
+HK$5,534/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,904/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,212
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,766
−HK$2,590/mo
Today · 4.125%
HK$100,356
baseline
▲ 0.50% · 4.625%
HK$105,646
+HK$5,290/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,712/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,165 · Scale 2, in force from 26 Feb 2026)