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$47,605
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,086
−HK$1,505/mo
Today · 4.125%
HK$50,591
baseline
▲ 0.50% · 4.625%
HK$53,669
+HK$3,078/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,182/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,960
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,381
−HK$1,441/mo
Today · 4.125%
HK$55,822
baseline
▲ 0.50% · 4.625%
HK$58,764
+HK$2,942/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,644/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,126
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,903
−HK$1,806/mo
Today · 4.125%
HK$60,709
baseline
▲ 0.50% · 4.625%
HK$64,403
+HK$3,694/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,418/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,553
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,257
−HK$1,729/mo
Today · 4.125%
HK$66,986
baseline
▲ 0.50% · 4.625%
HK$70,517
+HK$3,531/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$133,972/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,647
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,721
−HK$2,106/mo
Today · 4.125%
HK$70,827
baseline
▲ 0.50% · 4.625%
HK$75,136
+HK$4,309/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,654/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,145
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,133
−HK$2,017/mo
Today · 4.125%
HK$78,150
baseline
▲ 0.50% · 4.625%
HK$82,270
+HK$4,120/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,300/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,690
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,355
−HK$2,708/mo
Today · 4.125%
HK$91,063
baseline
▲ 0.50% · 4.625%
HK$96,604
+HK$5,541/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,126/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,329
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,885
−HK$2,594/mo
Today · 4.125%
HK$100,479
baseline
▲ 0.50% · 4.625%
HK$105,776
+HK$5,297/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$200,958/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,718 · Scale 2, in force from 26 Feb 2026)