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$47,741
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,227
−HK$1,508/mo
Today · 4.125%
HK$50,735
baseline
▲ 0.50% · 4.625%
HK$53,822
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,470/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,112
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,536
−HK$1,445/mo
Today · 4.125%
HK$55,981
baseline
▲ 0.50% · 4.625%
HK$58,932
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,962/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,290
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,072
−HK$1,810/mo
Today · 4.125%
HK$60,882
baseline
▲ 0.50% · 4.625%
HK$64,587
+HK$3,705/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,764/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,734
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,444
−HK$1,734/mo
Today · 4.125%
HK$67,178
baseline
▲ 0.50% · 4.625%
HK$70,719
+HK$3,541/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,356/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,838
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,917
−HK$2,112/mo
Today · 4.125%
HK$71,029
baseline
▲ 0.50% · 4.625%
HK$75,351
+HK$4,322/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$142,058/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,357
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,351
−HK$2,023/mo
Today · 4.125%
HK$78,374
baseline
▲ 0.50% · 4.625%
HK$82,505
+HK$4,131/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$156,748/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,935
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,608
−HK$2,716/mo
Today · 4.125%
HK$91,324
baseline
▲ 0.50% · 4.625%
HK$96,880
+HK$5,556/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,648/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,601
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,165
−HK$2,601/mo
Today · 4.125%
HK$100,766
baseline
▲ 0.50% · 4.625%
HK$106,078
+HK$5,312/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,532/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,689 · Scale 2, in force from 26 Feb 2026)