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$47,695
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,179
−HK$1,507/mo
Today · 4.125%
HK$50,686
baseline
▲ 0.50% · 4.625%
HK$53,770
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,372/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,060
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,483
−HK$1,444/mo
Today · 4.125%
HK$55,927
baseline
▲ 0.50% · 4.625%
HK$58,875
+HK$2,948/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,854/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$841,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,234
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,014
−HK$1,809/mo
Today · 4.125%
HK$60,823
baseline
▲ 0.50% · 4.625%
HK$64,524
+HK$3,701/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,646/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,672
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,380
−HK$1,732/mo
Today · 4.125%
HK$67,112
baseline
▲ 0.50% · 4.625%
HK$70,650
+HK$3,538/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,224/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$841,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,773
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,850
−HK$2,110/mo
Today · 4.125%
HK$70,960
baseline
▲ 0.50% · 4.625%
HK$75,278
+HK$4,318/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$141,920/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,284
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,277
−HK$2,021/mo
Today · 4.125%
HK$78,298
baseline
▲ 0.50% · 4.625%
HK$82,425
+HK$4,127/mo
Deposit HK$6.27M · loan HK$14.64M · min. income ≈ HK$156,596/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$841,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,851
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,522
−HK$2,713/mo
Today · 4.125%
HK$91,235
baseline
▲ 0.50% · 4.625%
HK$96,786
+HK$5,551/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$182,470/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,509
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,070
−HK$2,599/mo
Today · 4.125%
HK$100,669
baseline
▲ 0.50% · 4.625%
HK$105,975
+HK$5,306/mo
Deposit HK$2.09M · loan HK$18.82M · min. income ≈ HK$201,338/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$841,654 · Scale 2, in force from 26 Feb 2026)