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$47,545
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,024
−HK$1,502/mo
Today · 4.125%
HK$50,526
baseline
▲ 0.50% · 4.625%
HK$53,601
+HK$3,075/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,052/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,893
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,312
−HK$1,439/mo
Today · 4.125%
HK$55,751
baseline
▲ 0.50% · 4.625%
HK$58,690
+HK$2,939/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,502/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,054
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,829
−HK$1,803/mo
Today · 4.125%
HK$60,632
baseline
▲ 0.50% · 4.625%
HK$64,321
+HK$3,689/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,264/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,472
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,174
−HK$1,727/mo
Today · 4.125%
HK$66,901
baseline
▲ 0.50% · 4.625%
HK$70,427
+HK$3,526/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,802/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,563
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,633
−HK$2,104/mo
Today · 4.125%
HK$70,737
baseline
▲ 0.50% · 4.625%
HK$75,041
+HK$4,304/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,474/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,050
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,036
−HK$2,015/mo
Today · 4.125%
HK$78,051
baseline
▲ 0.50% · 4.625%
HK$82,165
+HK$4,114/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,102/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,581
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,243
−HK$2,704/mo
Today · 4.125%
HK$90,947
baseline
▲ 0.50% · 4.625%
HK$96,481
+HK$5,534/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,894/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,208
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,761
−HK$2,590/mo
Today · 4.125%
HK$100,351
baseline
▲ 0.50% · 4.625%
HK$105,641
+HK$5,290/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,702/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,066 · Scale 2, in force from 26 Feb 2026)