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$47,692
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,176
−HK$1,507/mo
Today · 4.125%
HK$50,683
baseline
▲ 0.50% · 4.625%
HK$53,767
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,366/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,057
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,480
−HK$1,443/mo
Today · 4.125%
HK$55,923
baseline
▲ 0.50% · 4.625%
HK$58,871
+HK$2,948/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,846/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,231
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$59,011
−HK$1,808/mo
Today · 4.125%
HK$60,819
baseline
▲ 0.50% · 4.625%
HK$64,520
+HK$3,701/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,638/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,668
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,376
−HK$1,732/mo
Today · 4.125%
HK$67,108
baseline
▲ 0.50% · 4.625%
HK$70,646
+HK$3,538/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,216/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,769
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,846
−HK$2,110/mo
Today · 4.125%
HK$70,956
baseline
▲ 0.50% · 4.625%
HK$75,273
+HK$4,317/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,912/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,280
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,272
−HK$2,021/mo
Today · 4.125%
HK$78,293
baseline
▲ 0.50% · 4.625%
HK$82,420
+HK$4,127/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,586/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,846
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,516
−HK$2,713/mo
Today · 4.125%
HK$91,229
baseline
▲ 0.50% · 4.625%
HK$96,780
+HK$5,551/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,458/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,503
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,064
−HK$2,598/mo
Today · 4.125%
HK$100,662
baseline
▲ 0.50% · 4.625%
HK$105,968
+HK$5,306/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,324/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,524 · Scale 2, in force from 26 Feb 2026)