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$47,776
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,262
−HK$1,510/mo
Today · 4.125%
HK$50,772
baseline
▲ 0.50% · 4.625%
HK$53,862
+HK$3,090/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,544/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,151
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,576
−HK$1,446/mo
Today · 4.125%
HK$56,022
baseline
▲ 0.50% · 4.625%
HK$58,975
+HK$2,953/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,044/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,331
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,115
−HK$1,812/mo
Today · 4.125%
HK$60,927
baseline
▲ 0.50% · 4.625%
HK$64,634
+HK$3,707/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,854/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,781
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,491
−HK$1,736/mo
Today · 4.125%
HK$67,227
baseline
▲ 0.50% · 4.625%
HK$70,770
+HK$3,543/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,454/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,887
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,967
−HK$2,114/mo
Today · 4.125%
HK$71,081
baseline
▲ 0.50% · 4.625%
HK$75,406
+HK$4,325/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,162/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,411
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,406
−HK$2,025/mo
Today · 4.125%
HK$78,431
baseline
▲ 0.50% · 4.625%
HK$82,565
+HK$4,134/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,862/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,997
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,672
−HK$2,718/mo
Today · 4.125%
HK$91,390
baseline
▲ 0.50% · 4.625%
HK$96,951
+HK$5,561/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,780/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,671
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,237
−HK$2,603/mo
Today · 4.125%
HK$100,840
baseline
▲ 0.50% · 4.625%
HK$106,155
+HK$5,315/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,680/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,212 · Scale 2, in force from 26 Feb 2026)