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$47,734
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,218
−HK$1,509/mo
Today · 4.125%
HK$50,727
baseline
▲ 0.50% · 4.625%
HK$53,813
+HK$3,086/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,454/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,103
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,527
−HK$1,445/mo
Today · 4.125%
HK$55,972
baseline
▲ 0.50% · 4.625%
HK$58,922
+HK$2,950/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,944/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,280
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,062
−HK$1,810/mo
Today · 4.125%
HK$60,872
baseline
▲ 0.50% · 4.625%
HK$64,576
+HK$3,704/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,744/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,724
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,433
−HK$1,734/mo
Today · 4.125%
HK$67,167
baseline
▲ 0.50% · 4.625%
HK$70,707
+HK$3,540/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,334/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,827
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,906
−HK$2,112/mo
Today · 4.125%
HK$71,018
baseline
▲ 0.50% · 4.625%
HK$75,339
+HK$4,321/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,036/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,344
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,338
−HK$2,023/mo
Today · 4.125%
HK$78,361
baseline
▲ 0.50% · 4.625%
HK$82,491
+HK$4,130/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,722/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,920
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,593
−HK$2,715/mo
Today · 4.125%
HK$91,308
baseline
▲ 0.50% · 4.625%
HK$96,864
+HK$5,556/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,616/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,586
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,149
−HK$2,601/mo
Today · 4.125%
HK$100,750
baseline
▲ 0.50% · 4.625%
HK$106,060
+HK$5,310/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,500/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,342 · Scale 2, in force from 26 Feb 2026)