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$47,691
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,175
−HK$1,507/mo
Today · 4.125%
HK$50,682
baseline
▲ 0.50% · 4.625%
HK$53,766
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,364/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,056
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,479
−HK$1,443/mo
Today · 4.125%
HK$55,922
baseline
▲ 0.50% · 4.625%
HK$58,870
+HK$2,948/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,844/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,229
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,010
−HK$1,808/mo
Today · 4.125%
HK$60,818
baseline
▲ 0.50% · 4.625%
HK$64,519
+HK$3,701/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,636/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,667
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,375
−HK$1,732/mo
Today · 4.125%
HK$67,107
baseline
▲ 0.50% · 4.625%
HK$70,644
+HK$3,537/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,214/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,768
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,845
−HK$2,110/mo
Today · 4.125%
HK$70,955
baseline
▲ 0.50% · 4.625%
HK$75,272
+HK$4,317/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,910/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,278
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,270
−HK$2,021/mo
Today · 4.125%
HK$78,291
baseline
▲ 0.50% · 4.625%
HK$82,418
+HK$4,127/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,582/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,844
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,514
−HK$2,713/mo
Today · 4.125%
HK$91,227
baseline
▲ 0.50% · 4.625%
HK$96,778
+HK$5,551/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,454/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,501
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,062
−HK$2,598/mo
Today · 4.125%
HK$100,660
baseline
▲ 0.50% · 4.625%
HK$105,966
+HK$5,306/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,320/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,484 · Scale 2, in force from 26 Feb 2026)