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$47,731
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,215
−HK$1,509/mo
Today · 4.125%
HK$50,724
baseline
▲ 0.50% · 4.625%
HK$53,810
+HK$3,086/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,448/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,100
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,524
−HK$1,445/mo
Today · 4.125%
HK$55,969
baseline
▲ 0.50% · 4.625%
HK$58,919
+HK$2,950/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,938/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,277
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,058
−HK$1,810/mo
Today · 4.125%
HK$60,868
baseline
▲ 0.50% · 4.625%
HK$64,572
+HK$3,704/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,736/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,720
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,429
−HK$1,733/mo
Today · 4.125%
HK$67,162
baseline
▲ 0.50% · 4.625%
HK$70,703
+HK$3,541/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,324/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,823
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,901
−HK$2,112/mo
Today · 4.125%
HK$71,013
baseline
▲ 0.50% · 4.625%
HK$75,334
+HK$4,321/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,026/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,340
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,333
−HK$2,023/mo
Today · 4.125%
HK$78,356
baseline
▲ 0.50% · 4.625%
HK$82,486
+HK$4,130/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,712/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,915
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,587
−HK$2,716/mo
Today · 4.125%
HK$91,303
baseline
▲ 0.50% · 4.625%
HK$96,858
+HK$5,555/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,606/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,580
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,143
−HK$2,600/mo
Today · 4.125%
HK$100,743
baseline
▲ 0.50% · 4.625%
HK$106,054
+HK$5,311/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,486/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,211 · Scale 2, in force from 26 Feb 2026)