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$47,737
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,221
−HK$1,509/mo
Today · 4.125%
HK$50,730
baseline
▲ 0.50% · 4.625%
HK$53,817
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,460/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,106
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,531
−HK$1,445/mo
Today · 4.125%
HK$55,976
baseline
▲ 0.50% · 4.625%
HK$58,926
+HK$2,950/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,952/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,284
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,066
−HK$1,810/mo
Today · 4.125%
HK$60,876
baseline
▲ 0.50% · 4.625%
HK$64,580
+HK$3,704/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,752/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,728
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,437
−HK$1,734/mo
Today · 4.125%
HK$67,171
baseline
▲ 0.50% · 4.625%
HK$70,711
+HK$3,540/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,342/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,831
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,910
−HK$2,112/mo
Today · 4.125%
HK$71,022
baseline
▲ 0.50% · 4.625%
HK$75,344
+HK$4,322/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,044/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,349
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,343
−HK$2,023/mo
Today · 4.125%
HK$78,366
baseline
▲ 0.50% · 4.625%
HK$82,497
+HK$4,131/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,732/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,926
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,599
−HK$2,715/mo
Today · 4.125%
HK$91,314
baseline
▲ 0.50% · 4.625%
HK$96,870
+HK$5,556/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,628/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,592
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,155
−HK$2,601/mo
Today · 4.125%
HK$100,756
baseline
▲ 0.50% · 4.625%
HK$106,067
+HK$5,311/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,512/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,474 · Scale 2, in force from 26 Feb 2026)