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$47,730
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,214
−HK$1,509/mo
Today · 4.125%
HK$50,723
baseline
▲ 0.50% · 4.625%
HK$53,809
+HK$3,086/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,446/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,099
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,523
−HK$1,444/mo
Today · 4.125%
HK$55,967
baseline
▲ 0.50% · 4.625%
HK$58,918
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,934/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,276
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,057
−HK$1,810/mo
Today · 4.125%
HK$60,867
baseline
▲ 0.50% · 4.625%
HK$64,571
+HK$3,704/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,734/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,718
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,427
−HK$1,734/mo
Today · 4.125%
HK$67,161
baseline
▲ 0.50% · 4.625%
HK$70,701
+HK$3,540/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,322/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,821
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,900
−HK$2,112/mo
Today · 4.125%
HK$71,012
baseline
▲ 0.50% · 4.625%
HK$75,333
+HK$4,321/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,024/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,338
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,332
−HK$2,022/mo
Today · 4.125%
HK$78,354
baseline
▲ 0.50% · 4.625%
HK$82,485
+HK$4,131/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,708/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,913
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,586
−HK$2,715/mo
Today · 4.125%
HK$91,301
baseline
▲ 0.50% · 4.625%
HK$96,856
+HK$5,555/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,602/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,578
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,141
−HK$2,600/mo
Today · 4.125%
HK$100,741
baseline
▲ 0.50% · 4.625%
HK$106,052
+HK$5,311/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,482/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,170 · Scale 2, in force from 26 Feb 2026)