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$47,694
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,177
−HK$1,508/mo
Today · 4.125%
HK$50,685
baseline
▲ 0.50% · 4.625%
HK$53,769
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,370/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,059
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,482
−HK$1,443/mo
Today · 4.125%
HK$55,925
baseline
▲ 0.50% · 4.625%
HK$58,873
+HK$2,948/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,850/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,233
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$59,013
−HK$1,808/mo
Today · 4.125%
HK$60,821
baseline
▲ 0.50% · 4.625%
HK$64,522
+HK$3,701/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,642/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,671
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,378
−HK$1,733/mo
Today · 4.125%
HK$67,111
baseline
▲ 0.50% · 4.625%
HK$70,648
+HK$3,537/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,222/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,771
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,848
−HK$2,110/mo
Today · 4.125%
HK$70,958
baseline
▲ 0.50% · 4.625%
HK$75,276
+HK$4,318/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,916/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,282
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,275
−HK$2,021/mo
Today · 4.125%
HK$78,296
baseline
▲ 0.50% · 4.625%
HK$82,423
+HK$4,127/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,592/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,849
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,519
−HK$2,713/mo
Today · 4.125%
HK$91,232
baseline
▲ 0.50% · 4.625%
HK$96,784
+HK$5,552/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,464/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,506
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,067
−HK$2,599/mo
Today · 4.125%
HK$100,666
baseline
▲ 0.50% · 4.625%
HK$105,972
+HK$5,306/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,332/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,597 · Scale 2, in force from 26 Feb 2026)