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$47,767
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,253
−HK$1,510/mo
Today · 4.125%
HK$50,763
baseline
▲ 0.50% · 4.625%
HK$53,852
+HK$3,089/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,526/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$844,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,141
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,566
−HK$1,446/mo
Today · 4.125%
HK$56,012
baseline
▲ 0.50% · 4.625%
HK$58,964
+HK$2,952/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$112,024/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$844,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,321
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,104
−HK$1,812/mo
Today · 4.125%
HK$60,916
baseline
▲ 0.50% · 4.625%
HK$64,622
+HK$3,706/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,832/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,769
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,479
−HK$1,735/mo
Today · 4.125%
HK$67,214
baseline
▲ 0.50% · 4.625%
HK$70,757
+HK$3,543/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,428/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,874
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,955
−HK$2,113/mo
Today · 4.125%
HK$71,068
baseline
▲ 0.50% · 4.625%
HK$75,392
+HK$4,324/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$142,136/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,397
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,392
−HK$2,025/mo
Today · 4.125%
HK$78,417
baseline
▲ 0.50% · 4.625%
HK$82,550
+HK$4,133/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$156,834/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,981
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,656
−HK$2,717/mo
Today · 4.125%
HK$91,373
baseline
▲ 0.50% · 4.625%
HK$96,933
+HK$5,560/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$182,746/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,654
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,219
−HK$2,602/mo
Today · 4.125%
HK$100,821
baseline
▲ 0.50% · 4.625%
HK$106,136
+HK$5,315/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$201,642/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,830 · Scale 2, in force from 26 Feb 2026)