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$47,781
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,267
−HK$1,510/mo
Today · 4.125%
HK$50,777
baseline
▲ 0.50% · 4.625%
HK$53,867
+HK$3,090/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$845,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,156
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,581
−HK$1,447/mo
Today · 4.125%
HK$56,028
baseline
▲ 0.50% · 4.625%
HK$58,981
+HK$2,953/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,056/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,337
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,121
−HK$1,812/mo
Today · 4.125%
HK$60,933
baseline
▲ 0.50% · 4.625%
HK$64,640
+HK$3,707/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,866/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,787
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,498
−HK$1,735/mo
Today · 4.125%
HK$67,233
baseline
▲ 0.50% · 4.625%
HK$70,777
+HK$3,544/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$845,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,893
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,974
−HK$2,114/mo
Today · 4.125%
HK$71,088
baseline
▲ 0.50% · 4.625%
HK$75,413
+HK$4,325/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,176/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,418
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,414
−HK$2,025/mo
Today · 4.125%
HK$78,439
baseline
▲ 0.50% · 4.625%
HK$82,573
+HK$4,134/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,878/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,005
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,681
−HK$2,718/mo
Today · 4.125%
HK$91,399
baseline
▲ 0.50% · 4.625%
HK$96,960
+HK$5,561/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,798/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,680
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,246
−HK$2,604/mo
Today · 4.125%
HK$100,850
baseline
▲ 0.50% · 4.625%
HK$106,165
+HK$5,315/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,700/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,415 · Scale 2, in force from 26 Feb 2026)