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$47,734
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,219
−HK$1,508/mo
Today · 4.125%
HK$50,727
baseline
▲ 0.50% · 4.625%
HK$53,814
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,454/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,103
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,528
−HK$1,444/mo
Today · 4.125%
HK$55,972
baseline
▲ 0.50% · 4.625%
HK$58,923
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,944/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,281
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,062
−HK$1,811/mo
Today · 4.125%
HK$60,873
baseline
▲ 0.50% · 4.625%
HK$64,577
+HK$3,704/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,746/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,724
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,433
−HK$1,734/mo
Today · 4.125%
HK$67,167
baseline
▲ 0.50% · 4.625%
HK$70,707
+HK$3,540/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,334/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,827
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,906
−HK$2,112/mo
Today · 4.125%
HK$71,018
baseline
▲ 0.50% · 4.625%
HK$75,339
+HK$4,321/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,036/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,345
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,339
−HK$2,022/mo
Today · 4.125%
HK$78,361
baseline
▲ 0.50% · 4.625%
HK$82,492
+HK$4,131/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,722/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,921
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,594
−HK$2,715/mo
Today · 4.125%
HK$91,309
baseline
▲ 0.50% · 4.625%
HK$96,865
+HK$5,556/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,618/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,586
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,150
−HK$2,600/mo
Today · 4.125%
HK$100,750
baseline
▲ 0.50% · 4.625%
HK$106,061
+HK$5,311/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,500/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,355 · Scale 2, in force from 26 Feb 2026)