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$47,732
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,217
−HK$1,508/mo
Today · 4.125%
HK$50,725
baseline
▲ 0.50% · 4.625%
HK$53,812
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,450/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,101
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,526
−HK$1,444/mo
Today · 4.125%
HK$55,970
baseline
▲ 0.50% · 4.625%
HK$58,921
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,940/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,279
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,060
−HK$1,810/mo
Today · 4.125%
HK$60,870
baseline
▲ 0.50% · 4.625%
HK$64,574
+HK$3,704/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,740/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,722
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,431
−HK$1,733/mo
Today · 4.125%
HK$67,164
baseline
▲ 0.50% · 4.625%
HK$70,705
+HK$3,541/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,328/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,825
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,904
−HK$2,111/mo
Today · 4.125%
HK$71,015
baseline
▲ 0.50% · 4.625%
HK$75,337
+HK$4,322/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,030/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,342
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,336
−HK$2,023/mo
Today · 4.125%
HK$78,359
baseline
▲ 0.50% · 4.625%
HK$82,489
+HK$4,130/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,718/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,918
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,590
−HK$2,716/mo
Today · 4.125%
HK$91,306
baseline
▲ 0.50% · 4.625%
HK$96,861
+HK$5,555/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,612/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,583
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,146
−HK$2,601/mo
Today · 4.125%
HK$100,747
baseline
▲ 0.50% · 4.625%
HK$106,057
+HK$5,310/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,494/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,278 · Scale 2, in force from 26 Feb 2026)