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$47,617
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,098
−HK$1,505/mo
Today · 4.125%
HK$50,603
baseline
▲ 0.50% · 4.625%
HK$53,682
+HK$3,079/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,206/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,973
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,394
−HK$1,441/mo
Today · 4.125%
HK$55,835
baseline
▲ 0.50% · 4.625%
HK$58,779
+HK$2,944/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,670/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,140
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,918
−HK$1,806/mo
Today · 4.125%
HK$60,724
baseline
▲ 0.50% · 4.625%
HK$64,418
+HK$3,694/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,448/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,568
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,273
−HK$1,730/mo
Today · 4.125%
HK$67,003
baseline
▲ 0.50% · 4.625%
HK$70,534
+HK$3,531/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$134,006/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,664
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,737
−HK$2,107/mo
Today · 4.125%
HK$70,844
baseline
▲ 0.50% · 4.625%
HK$75,155
+HK$4,311/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$141,688/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,163
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,152
−HK$2,018/mo
Today · 4.125%
HK$78,170
baseline
▲ 0.50% · 4.625%
HK$82,290
+HK$4,120/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$156,340/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,711
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,377
−HK$2,708/mo
Today · 4.125%
HK$91,085
baseline
▲ 0.50% · 4.625%
HK$96,628
+HK$5,543/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,170/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,352
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,909
−HK$2,595/mo
Today · 4.125%
HK$100,504
baseline
▲ 0.50% · 4.625%
HK$105,801
+HK$5,297/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$201,008/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,230 · Scale 2, in force from 26 Feb 2026)