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$47,738
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,223
−HK$1,509/mo
Today · 4.125%
HK$50,732
baseline
▲ 0.50% · 4.625%
HK$53,819
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,464/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,108
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,532
−HK$1,445/mo
Today · 4.125%
HK$55,977
baseline
▲ 0.50% · 4.625%
HK$58,928
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,954/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$843,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,286
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,068
−HK$1,810/mo
Today · 4.125%
HK$60,878
baseline
▲ 0.50% · 4.625%
HK$64,582
+HK$3,704/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,756/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,730
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,439
−HK$1,734/mo
Today · 4.125%
HK$67,173
baseline
▲ 0.50% · 4.625%
HK$70,714
+HK$3,541/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,346/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$843,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,833
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,912
−HK$2,112/mo
Today · 4.125%
HK$71,024
baseline
▲ 0.50% · 4.625%
HK$75,346
+HK$4,322/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,048/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,351
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,345
−HK$2,023/mo
Today · 4.125%
HK$78,368
baseline
▲ 0.50% · 4.625%
HK$82,499
+HK$4,131/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,736/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$843,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,928
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,601
−HK$2,716/mo
Today · 4.125%
HK$91,317
baseline
▲ 0.50% · 4.625%
HK$96,873
+HK$5,556/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,634/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,595
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,158
−HK$2,601/mo
Today · 4.125%
HK$100,759
baseline
▲ 0.50% · 4.625%
HK$106,070
+HK$5,311/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,518/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$843,538 · Scale 2, in force from 26 Feb 2026)