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$47,681
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,164
−HK$1,507/mo
Today · 4.125%
HK$50,671
baseline
▲ 0.50% · 4.625%
HK$53,754
+HK$3,083/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,342/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,044
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,467
−HK$1,443/mo
Today · 4.125%
HK$55,910
baseline
▲ 0.50% · 4.625%
HK$58,857
+HK$2,947/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,820/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,217
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,997
−HK$1,808/mo
Today · 4.125%
HK$60,805
baseline
▲ 0.50% · 4.625%
HK$64,505
+HK$3,700/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$121,610/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,653
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,360
−HK$1,732/mo
Today · 4.125%
HK$67,092
baseline
▲ 0.50% · 4.625%
HK$70,629
+HK$3,537/mo
Deposit HK$8.36M · loan HK$12.55M · min. income ≈ HK$134,184/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,753
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,829
−HK$2,110/mo
Today · 4.125%
HK$70,939
baseline
▲ 0.50% · 4.625%
HK$75,255
+HK$4,316/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,878/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$841,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,262
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,254
−HK$2,020/mo
Today · 4.125%
HK$78,274
baseline
▲ 0.50% · 4.625%
HK$82,400
+HK$4,126/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,548/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$841,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,825
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,495
−HK$2,712/mo
Today · 4.125%
HK$91,207
baseline
▲ 0.50% · 4.625%
HK$96,757
+HK$5,550/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,414/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,480
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,040
−HK$2,598/mo
Today · 4.125%
HK$100,638
baseline
▲ 0.50% · 4.625%
HK$105,943
+HK$5,305/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,276/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,023 · Scale 2, in force from 26 Feb 2026)