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$47,832
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,320
−HK$1,512/mo
Today · 4.125%
HK$50,832
baseline
▲ 0.50% · 4.625%
HK$53,925
+HK$3,093/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,664/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,213
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,640
−HK$1,448/mo
Today · 4.125%
HK$56,088
baseline
▲ 0.50% · 4.625%
HK$59,044
+HK$2,956/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,176/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,399
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,184
−HK$1,814/mo
Today · 4.125%
HK$60,998
baseline
▲ 0.50% · 4.625%
HK$64,710
+HK$3,712/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$121,996/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,855
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,568
−HK$1,737/mo
Today · 4.125%
HK$67,305
baseline
▲ 0.50% · 4.625%
HK$70,853
+HK$3,548/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,610/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,965
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,048
−HK$2,116/mo
Today · 4.125%
HK$71,164
baseline
▲ 0.50% · 4.625%
HK$75,494
+HK$4,330/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,328/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,498
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,496
−HK$2,027/mo
Today · 4.125%
HK$78,523
baseline
▲ 0.50% · 4.625%
HK$82,662
+HK$4,139/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$157,046/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,098
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,776
−HK$2,721/mo
Today · 4.125%
HK$91,497
baseline
▲ 0.50% · 4.625%
HK$97,064
+HK$5,567/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$182,994/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,783
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,352
−HK$2,606/mo
Today · 4.125%
HK$100,958
baseline
▲ 0.50% · 4.625%
HK$106,279
+HK$5,321/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,916/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,665 · Scale 2, in force from 26 Feb 2026)