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$47,697
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,181
−HK$1,507/mo
Today · 4.125%
HK$50,688
baseline
▲ 0.50% · 4.625%
HK$53,772
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,376/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,062
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,485
−HK$1,444/mo
Today · 4.125%
HK$55,929
baseline
▲ 0.50% · 4.625%
HK$58,877
+HK$2,948/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,858/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,236
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,017
−HK$1,808/mo
Today · 4.125%
HK$60,825
baseline
▲ 0.50% · 4.625%
HK$64,527
+HK$3,702/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,650/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,675
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,382
−HK$1,733/mo
Today · 4.125%
HK$67,115
baseline
▲ 0.50% · 4.625%
HK$70,653
+HK$3,538/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,230/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,776
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,853
−HK$2,110/mo
Today · 4.125%
HK$70,963
baseline
▲ 0.50% · 4.625%
HK$75,281
+HK$4,318/mo
Deposit HK$6.28M · loan HK$14.64M · min. income ≈ HK$141,926/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,287
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,280
−HK$2,021/mo
Today · 4.125%
HK$78,301
baseline
▲ 0.50% · 4.625%
HK$82,428
+HK$4,127/mo
Deposit HK$6.28M · loan HK$14.64M · min. income ≈ HK$156,602/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,854
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,525
−HK$2,713/mo
Today · 4.125%
HK$91,238
baseline
▲ 0.50% · 4.625%
HK$96,790
+HK$5,552/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,476/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,512
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,074
−HK$2,598/mo
Today · 4.125%
HK$100,672
baseline
▲ 0.50% · 4.625%
HK$105,979
+HK$5,307/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,344/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,733 · Scale 2, in force from 26 Feb 2026)