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$47,566
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,046
−HK$1,503/mo
Today · 4.125%
HK$50,549
baseline
▲ 0.50% · 4.625%
HK$53,625
+HK$3,076/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,098/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,917
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,336
−HK$1,440/mo
Today · 4.125%
HK$55,776
baseline
▲ 0.50% · 4.625%
HK$58,716
+HK$2,940/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,552/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,079
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,855
−HK$1,804/mo
Today · 4.125%
HK$60,659
baseline
▲ 0.50% · 4.625%
HK$64,350
+HK$3,691/mo
Deposit HK$8.34M · loan HK$12.52M · min. income ≈ HK$121,318/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,500
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,203
−HK$1,728/mo
Today · 4.125%
HK$66,931
baseline
▲ 0.50% · 4.625%
HK$70,459
+HK$3,528/mo
Deposit HK$8.34M · loan HK$12.52M · min. income ≈ HK$133,862/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,593
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,664
−HK$2,105/mo
Today · 4.125%
HK$70,769
baseline
▲ 0.50% · 4.625%
HK$75,075
+HK$4,306/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,538/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$836,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,084
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,070
−HK$2,016/mo
Today · 4.125%
HK$78,086
baseline
▲ 0.50% · 4.625%
HK$82,202
+HK$4,116/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,172/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$836,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,619
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,282
−HK$2,706/mo
Today · 4.125%
HK$90,988
baseline
▲ 0.50% · 4.625%
HK$96,525
+HK$5,537/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,976/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,250
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,805
−HK$2,591/mo
Today · 4.125%
HK$100,396
baseline
▲ 0.50% · 4.625%
HK$105,688
+HK$5,292/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,792/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,000 · Scale 2, in force from 26 Feb 2026)