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$47,708
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,192
−HK$1,508/mo
Today · 4.125%
HK$50,700
baseline
▲ 0.50% · 4.625%
HK$53,785
+HK$3,085/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,400/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,075
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,499
−HK$1,444/mo
Today · 4.125%
HK$55,943
baseline
▲ 0.50% · 4.625%
HK$58,891
+HK$2,948/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,886/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,250
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,031
−HK$1,809/mo
Today · 4.125%
HK$60,840
baseline
▲ 0.50% · 4.625%
HK$64,542
+HK$3,702/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,680/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,690
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,398
−HK$1,733/mo
Today · 4.125%
HK$67,131
baseline
▲ 0.50% · 4.625%
HK$70,670
+HK$3,539/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,262/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,792
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,869
−HK$2,111/mo
Today · 4.125%
HK$70,980
baseline
▲ 0.50% · 4.625%
HK$75,299
+HK$4,319/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$141,960/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,305
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,298
−HK$2,022/mo
Today · 4.125%
HK$78,320
baseline
▲ 0.50% · 4.625%
HK$82,448
+HK$4,128/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,640/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,875
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,546
−HK$2,714/mo
Today · 4.125%
HK$91,260
baseline
▲ 0.50% · 4.625%
HK$96,813
+HK$5,553/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,520/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,535
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,098
−HK$2,599/mo
Today · 4.125%
HK$100,697
baseline
▲ 0.50% · 4.625%
HK$106,005
+HK$5,308/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,394/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,241 · Scale 2, in force from 26 Feb 2026)