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$47,554
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,033
−HK$1,503/mo
Today · 4.125%
HK$50,536
baseline
▲ 0.50% · 4.625%
HK$53,611
+HK$3,075/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,072/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,903
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,322
−HK$1,439/mo
Today · 4.125%
HK$55,761
baseline
▲ 0.50% · 4.625%
HK$58,700
+HK$2,939/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,522/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,064
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,839
−HK$1,804/mo
Today · 4.125%
HK$60,643
baseline
▲ 0.50% · 4.625%
HK$64,333
+HK$3,690/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,286/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,484
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,186
−HK$1,727/mo
Today · 4.125%
HK$66,913
baseline
▲ 0.50% · 4.625%
HK$70,441
+HK$3,528/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,826/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,575
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,646
−HK$2,104/mo
Today · 4.125%
HK$70,750
baseline
▲ 0.50% · 4.625%
HK$75,055
+HK$4,305/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,500/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,064
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,051
−HK$2,015/mo
Today · 4.125%
HK$78,066
baseline
▲ 0.50% · 4.625%
HK$82,181
+HK$4,115/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,132/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,597
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,259
−HK$2,705/mo
Today · 4.125%
HK$90,964
baseline
▲ 0.50% · 4.625%
HK$96,499
+HK$5,535/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,928/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,225
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,779
−HK$2,591/mo
Today · 4.125%
HK$100,370
baseline
▲ 0.50% · 4.625%
HK$105,661
+HK$5,291/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,740/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,454 · Scale 2, in force from 26 Feb 2026)