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$47,733
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,218
−HK$1,508/mo
Today · 4.125%
HK$50,726
baseline
▲ 0.50% · 4.625%
HK$53,813
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,452/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,102
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,526
−HK$1,445/mo
Today · 4.125%
HK$55,971
baseline
▲ 0.50% · 4.625%
HK$58,922
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,942/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,279
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,061
−HK$1,810/mo
Today · 4.125%
HK$60,871
baseline
▲ 0.50% · 4.625%
HK$64,575
+HK$3,704/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,742/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,723
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,432
−HK$1,734/mo
Today · 4.125%
HK$67,166
baseline
▲ 0.50% · 4.625%
HK$70,706
+HK$3,540/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,332/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,826
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,905
−HK$2,112/mo
Today · 4.125%
HK$71,017
baseline
▲ 0.50% · 4.625%
HK$75,338
+HK$4,321/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,034/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,343
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,337
−HK$2,023/mo
Today · 4.125%
HK$78,360
baseline
▲ 0.50% · 4.625%
HK$82,490
+HK$4,130/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,720/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,919
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,592
−HK$2,715/mo
Today · 4.125%
HK$91,307
baseline
▲ 0.50% · 4.625%
HK$96,863
+HK$5,556/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,614/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,584
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,148
−HK$2,600/mo
Today · 4.125%
HK$100,748
baseline
▲ 0.50% · 4.625%
HK$106,059
+HK$5,311/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,496/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,311 · Scale 2, in force from 26 Feb 2026)