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$47,598
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,079
−HK$1,504/mo
Today · 4.125%
HK$50,583
baseline
▲ 0.50% · 4.625%
HK$53,661
+HK$3,078/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,166/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$837,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,953
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,373
−HK$1,441/mo
Today · 4.125%
HK$55,814
baseline
▲ 0.50% · 4.625%
HK$58,756
+HK$2,942/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,628/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$837,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,118
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,895
−HK$1,805/mo
Today · 4.125%
HK$60,700
baseline
▲ 0.50% · 4.625%
HK$64,393
+HK$3,693/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,400/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,543
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,247
−HK$1,729/mo
Today · 4.125%
HK$66,976
baseline
▲ 0.50% · 4.625%
HK$70,507
+HK$3,531/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,952/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,638
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,710
−HK$2,106/mo
Today · 4.125%
HK$70,816
baseline
▲ 0.50% · 4.625%
HK$75,125
+HK$4,309/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,632/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,134
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,122
−HK$2,017/mo
Today · 4.125%
HK$78,139
baseline
▲ 0.50% · 4.625%
HK$82,258
+HK$4,119/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,278/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,677
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,342
−HK$2,708/mo
Today · 4.125%
HK$91,050
baseline
▲ 0.50% · 4.625%
HK$96,590
+HK$5,540/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,100/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$837,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,315
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,871
−HK$2,593/mo
Today · 4.125%
HK$100,464
baseline
▲ 0.50% · 4.625%
HK$105,760
+HK$5,296/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$200,928/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$837,412 · Scale 2, in force from 26 Feb 2026)