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$47,735
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,220
−HK$1,509/mo
Today · 4.125%
HK$50,729
baseline
▲ 0.50% · 4.625%
HK$53,816
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,458/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,105
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,529
−HK$1,445/mo
Today · 4.125%
HK$55,974
baseline
▲ 0.50% · 4.625%
HK$58,925
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,948/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,282
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,064
−HK$1,811/mo
Today · 4.125%
HK$60,875
baseline
▲ 0.50% · 4.625%
HK$64,579
+HK$3,704/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,750/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,726
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,435
−HK$1,734/mo
Today · 4.125%
HK$67,169
baseline
▲ 0.50% · 4.625%
HK$70,710
+HK$3,541/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,338/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,829
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,908
−HK$2,112/mo
Today · 4.125%
HK$71,020
baseline
▲ 0.50% · 4.625%
HK$75,342
+HK$4,322/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,040/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,347
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,341
−HK$2,023/mo
Today · 4.125%
HK$78,364
baseline
▲ 0.50% · 4.625%
HK$82,495
+HK$4,131/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,728/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,924
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,596
−HK$2,716/mo
Today · 4.125%
HK$91,312
baseline
▲ 0.50% · 4.625%
HK$96,868
+HK$5,556/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,624/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,589
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,153
−HK$2,601/mo
Today · 4.125%
HK$100,754
baseline
▲ 0.50% · 4.625%
HK$106,064
+HK$5,310/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,508/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,421 · Scale 2, in force from 26 Feb 2026)