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$47,690
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,173
−HK$1,507/mo
Today · 4.125%
HK$50,680
baseline
▲ 0.50% · 4.625%
HK$53,764
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,360/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,054
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,477
−HK$1,443/mo
Today · 4.125%
HK$55,920
baseline
▲ 0.50% · 4.625%
HK$58,868
+HK$2,948/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,840/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,227
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,008
−HK$1,808/mo
Today · 4.125%
HK$60,816
baseline
▲ 0.50% · 4.625%
HK$64,517
+HK$3,701/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,632/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,665
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,372
−HK$1,733/mo
Today · 4.125%
HK$67,105
baseline
▲ 0.50% · 4.625%
HK$70,642
+HK$3,537/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,210/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,765
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,842
−HK$2,110/mo
Today · 4.125%
HK$70,952
baseline
▲ 0.50% · 4.625%
HK$75,269
+HK$4,317/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,904/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,276
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,268
−HK$2,021/mo
Today · 4.125%
HK$78,289
baseline
▲ 0.50% · 4.625%
HK$82,415
+HK$4,126/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,578/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,841
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,511
−HK$2,713/mo
Today · 4.125%
HK$91,224
baseline
▲ 0.50% · 4.625%
HK$96,775
+HK$5,551/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,448/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,497
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,059
−HK$2,598/mo
Today · 4.125%
HK$100,657
baseline
▲ 0.50% · 4.625%
HK$105,963
+HK$5,306/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,314/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,410 · Scale 2, in force from 26 Feb 2026)