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$47,623
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,104
−HK$1,505/mo
Today · 4.125%
HK$50,609
baseline
▲ 0.50% · 4.625%
HK$53,688
+HK$3,079/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,218/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,980
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,401
−HK$1,441/mo
Today · 4.125%
HK$55,842
baseline
▲ 0.50% · 4.625%
HK$58,786
+HK$2,944/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,684/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,147
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,925
−HK$1,806/mo
Today · 4.125%
HK$60,731
baseline
▲ 0.50% · 4.625%
HK$64,426
+HK$3,695/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,462/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,576
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,281
−HK$1,729/mo
Today · 4.125%
HK$67,010
baseline
▲ 0.50% · 4.625%
HK$70,543
+HK$3,533/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$134,020/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,672
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,746
−HK$2,107/mo
Today · 4.125%
HK$70,853
baseline
▲ 0.50% · 4.625%
HK$75,164
+HK$4,311/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,706/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,172
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,161
−HK$2,018/mo
Today · 4.125%
HK$78,179
baseline
▲ 0.50% · 4.625%
HK$82,300
+HK$4,121/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,358/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,721
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,387
−HK$2,709/mo
Today · 4.125%
HK$91,096
baseline
▲ 0.50% · 4.625%
HK$96,639
+HK$5,543/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,192/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,363
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,921
−HK$2,595/mo
Today · 4.125%
HK$100,516
baseline
▲ 0.50% · 4.625%
HK$105,814
+HK$5,298/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,032/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,478 · Scale 2, in force from 26 Feb 2026)