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$47,764
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,250
−HK$1,509/mo
Today · 4.125%
HK$50,759
baseline
▲ 0.50% · 4.625%
HK$53,848
+HK$3,089/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,518/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$844,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,137
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,562
−HK$1,446/mo
Today · 4.125%
HK$56,008
baseline
▲ 0.50% · 4.625%
HK$58,960
+HK$2,952/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$112,016/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$844,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,317
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,099
−HK$1,812/mo
Today · 4.125%
HK$60,911
baseline
▲ 0.50% · 4.625%
HK$64,617
+HK$3,706/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,822/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,764
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,474
−HK$1,735/mo
Today · 4.125%
HK$67,209
baseline
▲ 0.50% · 4.625%
HK$70,752
+HK$3,543/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,418/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,869
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,949
−HK$2,114/mo
Today · 4.125%
HK$71,063
baseline
▲ 0.50% · 4.625%
HK$75,387
+HK$4,324/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$142,126/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,391
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,387
−HK$2,024/mo
Today · 4.125%
HK$78,411
baseline
▲ 0.50% · 4.625%
HK$82,544
+HK$4,133/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$156,822/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,975
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,649
−HK$2,717/mo
Today · 4.125%
HK$91,366
baseline
▲ 0.50% · 4.625%
HK$96,926
+HK$5,560/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$182,732/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,646
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,211
−HK$2,603/mo
Today · 4.125%
HK$100,814
baseline
▲ 0.50% · 4.625%
HK$106,128
+HK$5,314/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$201,628/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,669 · Scale 2, in force from 26 Feb 2026)