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$47,740
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,225
−HK$1,509/mo
Today · 4.125%
HK$50,734
baseline
▲ 0.50% · 4.625%
HK$53,821
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,468/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,110
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,535
−HK$1,445/mo
Today · 4.125%
HK$55,980
baseline
▲ 0.50% · 4.625%
HK$58,931
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,960/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,288
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,070
−HK$1,811/mo
Today · 4.125%
HK$60,881
baseline
▲ 0.50% · 4.625%
HK$64,585
+HK$3,704/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,762/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,733
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,442
−HK$1,734/mo
Today · 4.125%
HK$67,176
baseline
▲ 0.50% · 4.625%
HK$70,717
+HK$3,541/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,352/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,836
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,915
−HK$2,112/mo
Today · 4.125%
HK$71,027
baseline
▲ 0.50% · 4.625%
HK$75,349
+HK$4,322/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$142,054/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,355
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,349
−HK$2,023/mo
Today · 4.125%
HK$78,372
baseline
▲ 0.50% · 4.625%
HK$82,503
+HK$4,131/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$156,744/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,932
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,605
−HK$2,716/mo
Today · 4.125%
HK$91,321
baseline
▲ 0.50% · 4.625%
HK$96,878
+HK$5,557/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,642/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,599
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,163
−HK$2,601/mo
Today · 4.125%
HK$100,764
baseline
▲ 0.50% · 4.625%
HK$106,075
+HK$5,311/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,528/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,633 · Scale 2, in force from 26 Feb 2026)