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$47,682
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,165
−HK$1,507/mo
Today · 4.125%
HK$50,672
baseline
▲ 0.50% · 4.625%
HK$53,755
+HK$3,083/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,344/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,045
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,468
−HK$1,443/mo
Today · 4.125%
HK$55,911
baseline
▲ 0.50% · 4.625%
HK$58,858
+HK$2,947/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,822/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,218
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,998
−HK$1,808/mo
Today · 4.125%
HK$60,806
baseline
▲ 0.50% · 4.625%
HK$64,506
+HK$3,700/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$121,612/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,654
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,362
−HK$1,732/mo
Today · 4.125%
HK$67,094
baseline
▲ 0.50% · 4.625%
HK$70,630
+HK$3,536/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$134,188/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,754
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,831
−HK$2,109/mo
Today · 4.125%
HK$70,940
baseline
▲ 0.50% · 4.625%
HK$75,257
+HK$4,317/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,880/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$841,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,264
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,255
−HK$2,021/mo
Today · 4.125%
HK$78,276
baseline
▲ 0.50% · 4.625%
HK$82,402
+HK$4,126/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,552/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$841,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,827
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,497
−HK$2,712/mo
Today · 4.125%
HK$91,209
baseline
▲ 0.50% · 4.625%
HK$96,759
+HK$5,550/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,418/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,482
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,042
−HK$2,598/mo
Today · 4.125%
HK$100,640
baseline
▲ 0.50% · 4.625%
HK$105,945
+HK$5,305/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,280/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,067 · Scale 2, in force from 26 Feb 2026)