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$47,702
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,186
−HK$1,508/mo
Today · 4.125%
HK$50,694
baseline
▲ 0.50% · 4.625%
HK$53,778
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,388/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,068
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,491
−HK$1,444/mo
Today · 4.125%
HK$55,935
baseline
▲ 0.50% · 4.625%
HK$58,884
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,870/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,243
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,023
−HK$1,809/mo
Today · 4.125%
HK$60,832
baseline
▲ 0.50% · 4.625%
HK$64,534
+HK$3,702/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,664/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,682
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,390
−HK$1,732/mo
Today · 4.125%
HK$67,122
baseline
▲ 0.50% · 4.625%
HK$70,660
+HK$3,538/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,244/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,783
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,860
−HK$2,111/mo
Today · 4.125%
HK$70,971
baseline
▲ 0.50% · 4.625%
HK$75,289
+HK$4,318/mo
Deposit HK$6.28M · loan HK$14.64M · min. income ≈ HK$141,942/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,295
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,288
−HK$2,021/mo
Today · 4.125%
HK$78,309
baseline
▲ 0.50% · 4.625%
HK$82,437
+HK$4,128/mo
Deposit HK$6.28M · loan HK$14.64M · min. income ≈ HK$156,618/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,864
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,535
−HK$2,713/mo
Today · 4.125%
HK$91,248
baseline
▲ 0.50% · 4.625%
HK$96,801
+HK$5,553/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,496/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,523
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,085
−HK$2,599/mo
Today · 4.125%
HK$100,684
baseline
▲ 0.50% · 4.625%
HK$105,991
+HK$5,307/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,368/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,966 · Scale 2, in force from 26 Feb 2026)