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$47,719
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,203
−HK$1,508/mo
Today · 4.125%
HK$50,711
baseline
▲ 0.50% · 4.625%
HK$53,797
+HK$3,086/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,422/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,087
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,511
−HK$1,444/mo
Today · 4.125%
HK$55,955
baseline
▲ 0.50% · 4.625%
HK$58,905
+HK$2,950/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,910/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,263
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,044
−HK$1,810/mo
Today · 4.125%
HK$60,854
baseline
▲ 0.50% · 4.625%
HK$64,557
+HK$3,703/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,708/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,704
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,413
−HK$1,733/mo
Today · 4.125%
HK$67,146
baseline
▲ 0.50% · 4.625%
HK$70,685
+HK$3,539/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,292/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,807
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,885
−HK$2,111/mo
Today · 4.125%
HK$70,996
baseline
▲ 0.50% · 4.625%
HK$75,316
+HK$4,320/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$141,992/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,322
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,315
−HK$2,022/mo
Today · 4.125%
HK$78,337
baseline
▲ 0.50% · 4.625%
HK$82,466
+HK$4,129/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,674/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,894
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,566
−HK$2,715/mo
Today · 4.125%
HK$91,281
baseline
▲ 0.50% · 4.625%
HK$96,835
+HK$5,554/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,562/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,556
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,119
−HK$2,600/mo
Today · 4.125%
HK$100,719
baseline
▲ 0.50% · 4.625%
HK$106,028
+HK$5,309/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,438/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,705 · Scale 2, in force from 26 Feb 2026)