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$47,745
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,230
−HK$1,509/mo
Today · 4.125%
HK$50,739
baseline
▲ 0.50% · 4.625%
HK$53,826
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,478/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,116
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,540
−HK$1,445/mo
Today · 4.125%
HK$55,985
baseline
▲ 0.50% · 4.625%
HK$58,936
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,970/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,294
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,076
−HK$1,811/mo
Today · 4.125%
HK$60,887
baseline
▲ 0.50% · 4.625%
HK$64,591
+HK$3,704/mo
Deposit HK$8.38M · loan HK$12.56M · min. income ≈ HK$121,774/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,739
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,448
−HK$1,734/mo
Today · 4.125%
HK$67,182
baseline
▲ 0.50% · 4.625%
HK$70,724
+HK$3,542/mo
Deposit HK$8.38M · loan HK$12.56M · min. income ≈ HK$134,364/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,843
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,922
−HK$2,112/mo
Today · 4.125%
HK$71,034
baseline
▲ 0.50% · 4.625%
HK$75,357
+HK$4,323/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$142,068/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$843,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,362
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,356
−HK$2,024/mo
Today · 4.125%
HK$78,380
baseline
▲ 0.50% · 4.625%
HK$82,511
+HK$4,131/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$156,760/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$843,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,941
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,614
−HK$2,716/mo
Today · 4.125%
HK$91,330
baseline
▲ 0.50% · 4.625%
HK$96,887
+HK$5,557/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,660/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,608
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,172
−HK$2,602/mo
Today · 4.125%
HK$100,774
baseline
▲ 0.50% · 4.625%
HK$106,086
+HK$5,312/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,548/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,838 · Scale 2, in force from 26 Feb 2026)