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$47,685
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,169
−HK$1,507/mo
Today · 4.125%
HK$50,676
baseline
▲ 0.50% · 4.625%
HK$53,759
+HK$3,083/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,352/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,050
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,472
−HK$1,444/mo
Today · 4.125%
HK$55,916
baseline
▲ 0.50% · 4.625%
HK$58,863
+HK$2,947/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,832/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,223
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$59,003
−HK$1,808/mo
Today · 4.125%
HK$60,811
baseline
▲ 0.50% · 4.625%
HK$64,511
+HK$3,700/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$121,622/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,660
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,367
−HK$1,732/mo
Today · 4.125%
HK$67,099
baseline
▲ 0.50% · 4.625%
HK$70,636
+HK$3,537/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$134,198/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,760
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,836
−HK$2,110/mo
Today · 4.125%
HK$70,946
baseline
▲ 0.50% · 4.625%
HK$75,263
+HK$4,317/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,892/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$841,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,269
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,261
−HK$2,021/mo
Today · 4.125%
HK$78,282
baseline
▲ 0.50% · 4.625%
HK$82,408
+HK$4,126/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,564/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$841,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,834
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,504
−HK$2,712/mo
Today · 4.125%
HK$91,216
baseline
▲ 0.50% · 4.625%
HK$96,767
+HK$5,551/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,432/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,489
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,050
−HK$2,598/mo
Today · 4.125%
HK$100,648
baseline
▲ 0.50% · 4.625%
HK$105,954
+HK$5,306/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,296/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,234 · Scale 2, in force from 26 Feb 2026)