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$47,813
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,301
−HK$1,511/mo
Today · 4.125%
HK$50,812
baseline
▲ 0.50% · 4.625%
HK$53,903
+HK$3,091/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,624/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,192
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,618
−HK$1,448/mo
Today · 4.125%
HK$56,066
baseline
▲ 0.50% · 4.625%
HK$59,021
+HK$2,955/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,132/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,376
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,161
−HK$1,813/mo
Today · 4.125%
HK$60,974
baseline
▲ 0.50% · 4.625%
HK$64,684
+HK$3,710/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,948/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,830
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,542
−HK$1,737/mo
Today · 4.125%
HK$67,279
baseline
▲ 0.50% · 4.625%
HK$70,825
+HK$3,546/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,558/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,939
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,021
−HK$2,115/mo
Today · 4.125%
HK$71,136
baseline
▲ 0.50% · 4.625%
HK$75,465
+HK$4,329/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,272/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,469
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,466
−HK$2,026/mo
Today · 4.125%
HK$78,492
baseline
▲ 0.50% · 4.625%
HK$82,629
+HK$4,137/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$156,984/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,064
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,741
−HK$2,720/mo
Today · 4.125%
HK$91,461
baseline
▲ 0.50% · 4.625%
HK$97,026
+HK$5,565/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,922/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,745
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,313
−HK$2,605/mo
Today · 4.125%
HK$100,918
baseline
▲ 0.50% · 4.625%
HK$106,238
+HK$5,320/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,836/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,843 · Scale 2, in force from 26 Feb 2026)