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$47,823
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,311
−HK$1,511/mo
Today · 4.125%
HK$50,822
baseline
▲ 0.50% · 4.625%
HK$53,914
+HK$3,092/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,644/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,203
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,630
−HK$1,447/mo
Today · 4.125%
HK$56,077
baseline
▲ 0.50% · 4.625%
HK$59,033
+HK$2,956/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,154/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,388
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,173
−HK$1,813/mo
Today · 4.125%
HK$60,986
baseline
▲ 0.50% · 4.625%
HK$64,697
+HK$3,711/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,972/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,843
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,555
−HK$1,737/mo
Today · 4.125%
HK$67,292
baseline
▲ 0.50% · 4.625%
HK$70,840
+HK$3,548/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,584/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,952
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,035
−HK$2,116/mo
Today · 4.125%
HK$71,151
baseline
▲ 0.50% · 4.625%
HK$75,480
+HK$4,329/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,302/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,484
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,481
−HK$2,027/mo
Today · 4.125%
HK$78,508
baseline
▲ 0.50% · 4.625%
HK$82,646
+HK$4,138/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$157,016/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,082
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,759
−HK$2,721/mo
Today · 4.125%
HK$91,480
baseline
▲ 0.50% · 4.625%
HK$97,046
+HK$5,566/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$182,960/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,765
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,333
−HK$2,606/mo
Today · 4.125%
HK$100,939
baseline
▲ 0.50% · 4.625%
HK$106,259
+HK$5,320/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,878/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,267 · Scale 2, in force from 26 Feb 2026)