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$47,769
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,255
−HK$1,509/mo
Today · 4.125%
HK$50,764
baseline
▲ 0.50% · 4.625%
HK$53,853
+HK$3,089/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,528/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$844,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,142
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,568
−HK$1,446/mo
Today · 4.125%
HK$56,014
baseline
▲ 0.50% · 4.625%
HK$58,966
+HK$2,952/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$112,028/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$844,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,323
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,106
−HK$1,811/mo
Today · 4.125%
HK$60,917
baseline
▲ 0.50% · 4.625%
HK$64,624
+HK$3,707/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,834/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,771
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,481
−HK$1,735/mo
Today · 4.125%
HK$67,216
baseline
▲ 0.50% · 4.625%
HK$70,759
+HK$3,543/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,432/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,876
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,957
−HK$2,113/mo
Today · 4.125%
HK$71,070
baseline
▲ 0.50% · 4.625%
HK$75,395
+HK$4,325/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$142,140/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,399
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,395
−HK$2,024/mo
Today · 4.125%
HK$78,419
baseline
▲ 0.50% · 4.625%
HK$82,553
+HK$4,134/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$156,838/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,984
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,659
−HK$2,717/mo
Today · 4.125%
HK$91,376
baseline
▲ 0.50% · 4.625%
HK$96,936
+HK$5,560/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$182,752/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,656
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,222
−HK$2,602/mo
Today · 4.125%
HK$100,824
baseline
▲ 0.50% · 4.625%
HK$106,139
+HK$5,315/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$201,648/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,892 · Scale 2, in force from 26 Feb 2026)