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$47,791
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,278
−HK$1,510/mo
Today · 4.125%
HK$50,788
baseline
▲ 0.50% · 4.625%
HK$53,878
+HK$3,090/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,576/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$845,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,167
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,593
−HK$1,447/mo
Today · 4.125%
HK$56,040
baseline
▲ 0.50% · 4.625%
HK$58,994
+HK$2,954/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,080/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$845,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,349
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,133
−HK$1,813/mo
Today · 4.125%
HK$60,946
baseline
▲ 0.50% · 4.625%
HK$64,654
+HK$3,708/mo
Deposit HK$8.38M · loan HK$12.58M · min. income ≈ HK$121,892/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,801
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,512
−HK$1,736/mo
Today · 4.125%
HK$67,248
baseline
▲ 0.50% · 4.625%
HK$70,792
+HK$3,544/mo
Deposit HK$8.38M · loan HK$12.58M · min. income ≈ HK$134,496/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,908
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,989
−HK$2,114/mo
Today · 4.125%
HK$71,103
baseline
▲ 0.50% · 4.625%
HK$75,430
+HK$4,327/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,206/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,434
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,430
−HK$2,025/mo
Today · 4.125%
HK$78,455
baseline
▲ 0.50% · 4.625%
HK$82,591
+HK$4,136/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,910/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,024
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,700
−HK$2,718/mo
Today · 4.125%
HK$91,418
baseline
▲ 0.50% · 4.625%
HK$96,981
+HK$5,563/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,836/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,701
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,268
−HK$2,603/mo
Today · 4.125%
HK$100,871
baseline
▲ 0.50% · 4.625%
HK$106,188
+HK$5,317/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,742/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,867 · Scale 2, in force from 26 Feb 2026)