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$47,738
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,223
−HK$1,509/mo
Today · 4.125%
HK$50,732
baseline
▲ 0.50% · 4.625%
HK$53,819
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,464/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,108
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,533
−HK$1,445/mo
Today · 4.125%
HK$55,978
baseline
▲ 0.50% · 4.625%
HK$58,928
+HK$2,950/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,956/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,286
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,068
−HK$1,810/mo
Today · 4.125%
HK$60,878
baseline
▲ 0.50% · 4.625%
HK$64,583
+HK$3,705/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,756/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,730
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,439
−HK$1,734/mo
Today · 4.125%
HK$67,173
baseline
▲ 0.50% · 4.625%
HK$70,714
+HK$3,541/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,346/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,834
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,913
−HK$2,112/mo
Today · 4.125%
HK$71,025
baseline
▲ 0.50% · 4.625%
HK$75,346
+HK$4,321/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,050/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,352
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,346
−HK$2,023/mo
Today · 4.125%
HK$78,369
baseline
▲ 0.50% · 4.625%
HK$82,500
+HK$4,131/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,738/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,929
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,602
−HK$2,716/mo
Today · 4.125%
HK$91,318
baseline
▲ 0.50% · 4.625%
HK$96,874
+HK$5,556/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,636/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,595
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,159
−HK$2,601/mo
Today · 4.125%
HK$100,760
baseline
▲ 0.50% · 4.625%
HK$106,071
+HK$5,311/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,520/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,553 · Scale 2, in force from 26 Feb 2026)