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$47,743
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,228
−HK$1,509/mo
Today · 4.125%
HK$50,737
baseline
▲ 0.50% · 4.625%
HK$53,824
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,474/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,114
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,538
−HK$1,445/mo
Today · 4.125%
HK$55,983
baseline
▲ 0.50% · 4.625%
HK$58,934
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,966/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,292
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,074
−HK$1,810/mo
Today · 4.125%
HK$60,884
baseline
▲ 0.50% · 4.625%
HK$64,589
+HK$3,705/mo
Deposit HK$8.38M · loan HK$12.56M · min. income ≈ HK$121,768/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,736
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,446
−HK$1,734/mo
Today · 4.125%
HK$67,180
baseline
▲ 0.50% · 4.625%
HK$70,721
+HK$3,541/mo
Deposit HK$8.38M · loan HK$12.56M · min. income ≈ HK$134,360/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,840
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,919
−HK$2,113/mo
Today · 4.125%
HK$71,032
baseline
▲ 0.50% · 4.625%
HK$75,354
+HK$4,322/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$142,064/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$843,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,359
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,353
−HK$2,023/mo
Today · 4.125%
HK$78,376
baseline
▲ 0.50% · 4.625%
HK$82,508
+HK$4,132/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$156,752/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$843,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,937
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,610
−HK$2,716/mo
Today · 4.125%
HK$91,326
baseline
▲ 0.50% · 4.625%
HK$96,883
+HK$5,557/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,652/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,604
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,168
−HK$2,602/mo
Today · 4.125%
HK$100,770
baseline
▲ 0.50% · 4.625%
HK$106,081
+HK$5,311/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,540/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,753 · Scale 2, in force from 26 Feb 2026)