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$47,688
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,171
−HK$1,507/mo
Today · 4.125%
HK$50,678
baseline
▲ 0.50% · 4.625%
HK$53,762
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,356/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,052
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,475
−HK$1,443/mo
Today · 4.125%
HK$55,918
baseline
▲ 0.50% · 4.625%
HK$58,866
+HK$2,948/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,836/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,225
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,005
−HK$1,809/mo
Today · 4.125%
HK$60,814
baseline
▲ 0.50% · 4.625%
HK$64,514
+HK$3,700/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,628/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,662
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,370
−HK$1,732/mo
Today · 4.125%
HK$67,102
baseline
▲ 0.50% · 4.625%
HK$70,639
+HK$3,537/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,204/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,763
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,839
−HK$2,110/mo
Today · 4.125%
HK$70,949
baseline
▲ 0.50% · 4.625%
HK$75,266
+HK$4,317/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,898/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,273
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,265
−HK$2,021/mo
Today · 4.125%
HK$78,286
baseline
▲ 0.50% · 4.625%
HK$82,412
+HK$4,126/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,572/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,838
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,508
−HK$2,713/mo
Today · 4.125%
HK$91,221
baseline
▲ 0.50% · 4.625%
HK$96,771
+HK$5,550/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,442/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,494
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,055
−HK$2,598/mo
Today · 4.125%
HK$100,653
baseline
▲ 0.50% · 4.625%
HK$105,958
+HK$5,305/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,306/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,328 · Scale 2, in force from 26 Feb 2026)