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$47,624
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,106
−HK$1,505/mo
Today · 4.125%
HK$50,611
baseline
▲ 0.50% · 4.625%
HK$53,690
+HK$3,079/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,222/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,982
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,403
−HK$1,441/mo
Today · 4.125%
HK$55,844
baseline
▲ 0.50% · 4.625%
HK$58,788
+HK$2,944/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,688/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,149
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,927
−HK$1,806/mo
Today · 4.125%
HK$60,733
baseline
▲ 0.50% · 4.625%
HK$64,428
+HK$3,695/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,466/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,578
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,283
−HK$1,730/mo
Today · 4.125%
HK$67,013
baseline
▲ 0.50% · 4.625%
HK$70,545
+HK$3,532/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$134,026/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,674
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,748
−HK$2,107/mo
Today · 4.125%
HK$70,855
baseline
▲ 0.50% · 4.625%
HK$75,167
+HK$4,312/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,710/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,174
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,164
−HK$2,018/mo
Today · 4.125%
HK$78,182
baseline
▲ 0.50% · 4.625%
HK$82,303
+HK$4,121/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,364/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,724
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,390
−HK$2,710/mo
Today · 4.125%
HK$91,100
baseline
▲ 0.50% · 4.625%
HK$96,643
+HK$5,543/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,200/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,367
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,925
−HK$2,594/mo
Today · 4.125%
HK$100,519
baseline
▲ 0.50% · 4.625%
HK$105,818
+HK$5,299/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,038/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,555 · Scale 2, in force from 26 Feb 2026)