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$47,693
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,176
−HK$1,507/mo
Today · 4.125%
HK$50,683
baseline
▲ 0.50% · 4.625%
HK$53,767
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,366/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,058
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,481
−HK$1,443/mo
Today · 4.125%
HK$55,924
baseline
▲ 0.50% · 4.625%
HK$58,872
+HK$2,948/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,848/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,231
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,011
−HK$1,809/mo
Today · 4.125%
HK$60,820
baseline
▲ 0.50% · 4.625%
HK$64,521
+HK$3,701/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,640/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,669
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,377
−HK$1,732/mo
Today · 4.125%
HK$67,109
baseline
▲ 0.50% · 4.625%
HK$70,646
+HK$3,537/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,218/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,770
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,847
−HK$2,110/mo
Today · 4.125%
HK$70,957
baseline
▲ 0.50% · 4.625%
HK$75,274
+HK$4,317/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,914/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,281
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,273
−HK$2,021/mo
Today · 4.125%
HK$78,294
baseline
▲ 0.50% · 4.625%
HK$82,421
+HK$4,127/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,588/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,847
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,517
−HK$2,713/mo
Today · 4.125%
HK$91,230
baseline
▲ 0.50% · 4.625%
HK$96,781
+HK$5,551/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,460/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,504
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,065
−HK$2,598/mo
Today · 4.125%
HK$100,663
baseline
▲ 0.50% · 4.625%
HK$105,970
+HK$5,307/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,326/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,548 · Scale 2, in force from 26 Feb 2026)