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$47,645
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,127
−HK$1,506/mo
Today · 4.125%
HK$50,633
baseline
▲ 0.50% · 4.625%
HK$53,714
+HK$3,081/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$101,266/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,005
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,427
−HK$1,442/mo
Today · 4.125%
HK$55,869
baseline
▲ 0.50% · 4.625%
HK$58,814
+HK$2,945/mo
Deposit HK$10.45M · loan HK$10.45M · min. income ≈ HK$111,738/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$839,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,174
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,953
−HK$1,807/mo
Today · 4.125%
HK$60,760
baseline
▲ 0.50% · 4.625%
HK$64,457
+HK$3,697/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$121,520/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,606
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,312
−HK$1,730/mo
Today · 4.125%
HK$67,042
baseline
▲ 0.50% · 4.625%
HK$70,576
+HK$3,534/mo
Deposit HK$8.36M · loan HK$12.54M · min. income ≈ HK$134,084/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$839,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,703
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,778
−HK$2,108/mo
Today · 4.125%
HK$70,886
baseline
▲ 0.50% · 4.625%
HK$75,200
+HK$4,314/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$141,772/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,207
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,197
−HK$2,019/mo
Today · 4.125%
HK$78,216
baseline
▲ 0.50% · 4.625%
HK$82,339
+HK$4,123/mo
Deposit HK$6.27M · loan HK$14.63M · min. income ≈ HK$156,432/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$839,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,762
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,429
−HK$2,711/mo
Today · 4.125%
HK$91,140
baseline
▲ 0.50% · 4.625%
HK$96,685
+HK$5,545/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$182,280/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,409
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,968
−HK$2,596/mo
Today · 4.125%
HK$100,564
baseline
▲ 0.50% · 4.625%
HK$105,864
+HK$5,300/mo
Deposit HK$2.09M · loan HK$18.81M · min. income ≈ HK$201,128/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$839,473 · Scale 2, in force from 26 Feb 2026)