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$47,620
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,102
−HK$1,505/mo
Today · 4.125%
HK$50,607
baseline
▲ 0.50% · 4.625%
HK$53,686
+HK$3,079/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,214/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,977
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,398
−HK$1,441/mo
Today · 4.125%
HK$55,839
baseline
▲ 0.50% · 4.625%
HK$58,783
+HK$2,944/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,678/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$838,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,144
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,922
−HK$1,806/mo
Today · 4.125%
HK$60,728
baseline
▲ 0.50% · 4.625%
HK$64,423
+HK$3,695/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,456/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,573
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,278
−HK$1,729/mo
Today · 4.125%
HK$67,007
baseline
▲ 0.50% · 4.625%
HK$70,539
+HK$3,532/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$134,014/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$838,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,668
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,742
−HK$2,107/mo
Today · 4.125%
HK$70,849
baseline
▲ 0.50% · 4.625%
HK$75,160
+HK$4,311/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$141,698/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,168
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,157
−HK$2,018/mo
Today · 4.125%
HK$78,175
baseline
▲ 0.50% · 4.625%
HK$82,296
+HK$4,121/mo
Deposit HK$6.27M · loan HK$14.62M · min. income ≈ HK$156,350/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$838,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,717
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,383
−HK$2,709/mo
Today · 4.125%
HK$91,092
baseline
▲ 0.50% · 4.625%
HK$96,635
+HK$5,543/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$182,184/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,359
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,916
−HK$2,595/mo
Today · 4.125%
HK$100,511
baseline
▲ 0.50% · 4.625%
HK$105,809
+HK$5,298/mo
Deposit HK$2.09M · loan HK$18.80M · min. income ≈ HK$201,022/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$838,378 · Scale 2, in force from 26 Feb 2026)