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$47,852
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,340
−HK$1,513/mo
Today · 4.125%
HK$50,853
baseline
▲ 0.50% · 4.625%
HK$53,947
+HK$3,094/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,706/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,235
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,663
−HK$1,448/mo
Today · 4.125%
HK$56,111
baseline
▲ 0.50% · 4.625%
HK$59,069
+HK$2,958/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,222/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,422
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,208
−HK$1,815/mo
Today · 4.125%
HK$61,023
baseline
▲ 0.50% · 4.625%
HK$64,736
+HK$3,713/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,046/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,882
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,595
−HK$1,738/mo
Today · 4.125%
HK$67,333
baseline
▲ 0.50% · 4.625%
HK$70,882
+HK$3,549/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,666/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,993
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,077
−HK$2,117/mo
Today · 4.125%
HK$71,194
baseline
▲ 0.50% · 4.625%
HK$75,526
+HK$4,332/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,388/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,529
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,528
−HK$2,027/mo
Today · 4.125%
HK$78,555
baseline
▲ 0.50% · 4.625%
HK$82,696
+HK$4,141/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,110/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,133
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,813
−HK$2,722/mo
Today · 4.125%
HK$91,535
baseline
▲ 0.50% · 4.625%
HK$97,104
+HK$5,569/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,070/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,823
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,393
−HK$2,607/mo
Today · 4.125%
HK$101,000
baseline
▲ 0.50% · 4.625%
HK$106,323
+HK$5,323/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,000/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,533 · Scale 2, in force from 26 Feb 2026)