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$47,780
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,267
−HK$1,510/mo
Today · 4.125%
HK$50,777
baseline
▲ 0.50% · 4.625%
HK$53,866
+HK$3,089/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,554/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,155
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,581
−HK$1,446/mo
Today · 4.125%
HK$56,027
baseline
▲ 0.50% · 4.625%
HK$58,980
+HK$2,953/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,054/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,337
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,120
−HK$1,812/mo
Today · 4.125%
HK$60,932
baseline
▲ 0.50% · 4.625%
HK$64,640
+HK$3,708/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,864/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,786
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,497
−HK$1,736/mo
Today · 4.125%
HK$67,233
baseline
▲ 0.50% · 4.625%
HK$70,776
+HK$3,543/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,466/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,893
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,973
−HK$2,114/mo
Today · 4.125%
HK$71,087
baseline
▲ 0.50% · 4.625%
HK$75,413
+HK$4,326/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,174/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,417
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,413
−HK$2,025/mo
Today · 4.125%
HK$78,438
baseline
▲ 0.50% · 4.625%
HK$82,573
+HK$4,135/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,876/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,005
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,680
−HK$2,718/mo
Today · 4.125%
HK$91,398
baseline
▲ 0.50% · 4.625%
HK$96,959
+HK$5,561/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,796/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,680
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,246
−HK$2,603/mo
Today · 4.125%
HK$100,849
baseline
▲ 0.50% · 4.625%
HK$106,165
+HK$5,316/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,698/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,399 · Scale 2, in force from 26 Feb 2026)