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$2,992/mo
▼ 0.25% · 3.875%
HK$49,181
−HK$1,508/mo
Today · 4.125%
HK$50,689
baseline
▲ 0.50% · 4.625%
HK$53,773
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,378/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,063
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,486
−HK$1,444/mo
Today · 4.125%
HK$55,930
baseline
▲ 0.50% · 4.625%
HK$58,878
+HK$2,948/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,860/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,237
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,017
−HK$1,809/mo
Today · 4.125%
HK$60,826
baseline
▲ 0.50% · 4.625%
HK$64,527
+HK$3,701/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,652/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,676
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,383
−HK$1,733/mo
Today · 4.125%
HK$67,116
baseline
▲ 0.50% · 4.625%
HK$70,653
+HK$3,537/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,232/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,776
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,854
−HK$2,110/mo
Today · 4.125%
HK$70,964
baseline
▲ 0.50% · 4.625%
HK$75,282
+HK$4,318/mo
Deposit HK$6.28M · loan HK$14.64M · min. income ≈ HK$141,928/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,288
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,280
−HK$2,022/mo
Today · 4.125%
HK$78,302
baseline
▲ 0.50% · 4.625%
HK$82,429
+HK$4,127/mo
Deposit HK$6.28M · loan HK$14.64M · min. income ≈ HK$156,604/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,855
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,526
−HK$2,713/mo
Today · 4.125%
HK$91,239
baseline
▲ 0.50% · 4.625%
HK$96,791
+HK$5,552/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,478/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,513
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,075
−HK$2,599/mo
Today · 4.125%
HK$100,674
baseline
▲ 0.50% · 4.625%
HK$105,980
+HK$5,306/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,348/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,759 · Scale 2, in force from 26 Feb 2026)