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$47,686
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,169
−HK$1,507/mo
Today · 4.125%
HK$50,676
baseline
▲ 0.50% · 4.625%
HK$53,760
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,352/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,050
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,473
−HK$1,443/mo
Today · 4.125%
HK$55,916
baseline
▲ 0.50% · 4.625%
HK$58,864
+HK$2,948/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,832/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,223
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,003
−HK$1,809/mo
Today · 4.125%
HK$60,812
baseline
▲ 0.50% · 4.625%
HK$64,512
+HK$3,700/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,624/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,660
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,368
−HK$1,732/mo
Today · 4.125%
HK$67,100
baseline
▲ 0.50% · 4.625%
HK$70,637
+HK$3,537/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,200/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,761
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,837
−HK$2,110/mo
Today · 4.125%
HK$70,947
baseline
▲ 0.50% · 4.625%
HK$75,264
+HK$4,317/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,894/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,270
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,262
−HK$2,021/mo
Today · 4.125%
HK$78,283
baseline
▲ 0.50% · 4.625%
HK$82,409
+HK$4,126/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,566/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,835
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,505
−HK$2,713/mo
Today · 4.125%
HK$91,218
baseline
▲ 0.50% · 4.625%
HK$96,768
+HK$5,550/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,436/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,491
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,052
−HK$2,598/mo
Today · 4.125%
HK$100,650
baseline
▲ 0.50% · 4.625%
HK$105,955
+HK$5,305/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,300/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,262 · Scale 2, in force from 26 Feb 2026)