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$47,718
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,202
−HK$1,508/mo
Today · 4.125%
HK$50,710
baseline
▲ 0.50% · 4.625%
HK$53,796
+HK$3,086/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,420/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,086
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,509
−HK$1,445/mo
Today · 4.125%
HK$55,954
baseline
▲ 0.50% · 4.625%
HK$58,903
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,908/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,261
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,043
−HK$1,809/mo
Today · 4.125%
HK$60,852
baseline
▲ 0.50% · 4.625%
HK$64,555
+HK$3,703/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,704/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,703
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,411
−HK$1,733/mo
Today · 4.125%
HK$67,144
baseline
▲ 0.50% · 4.625%
HK$70,684
+HK$3,540/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,288/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,805
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,883
−HK$2,111/mo
Today · 4.125%
HK$70,994
baseline
▲ 0.50% · 4.625%
HK$75,314
+HK$4,320/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$141,988/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,320
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,313
−HK$2,022/mo
Today · 4.125%
HK$78,335
baseline
▲ 0.50% · 4.625%
HK$82,464
+HK$4,129/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,670/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,892
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,564
−HK$2,714/mo
Today · 4.125%
HK$91,278
baseline
▲ 0.50% · 4.625%
HK$96,832
+HK$5,554/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,556/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,554
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,117
−HK$2,600/mo
Today · 4.125%
HK$100,717
baseline
▲ 0.50% · 4.625%
HK$106,025
+HK$5,308/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,434/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,651 · Scale 2, in force from 26 Feb 2026)