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$47,795
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,282
−HK$1,511/mo
Today · 4.125%
HK$50,793
baseline
▲ 0.50% · 4.625%
HK$53,883
+HK$3,090/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,586/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,172
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,598
−HK$1,447/mo
Today · 4.125%
HK$56,045
baseline
▲ 0.50% · 4.625%
HK$58,999
+HK$2,954/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,090/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,355
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,139
−HK$1,812/mo
Today · 4.125%
HK$60,951
baseline
▲ 0.50% · 4.625%
HK$64,660
+HK$3,709/mo
Deposit HK$8.38M · loan HK$12.58M · min. income ≈ HK$121,902/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,806
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,518
−HK$1,736/mo
Today · 4.125%
HK$67,254
baseline
▲ 0.50% · 4.625%
HK$70,799
+HK$3,545/mo
Deposit HK$8.38M · loan HK$12.58M · min. income ≈ HK$134,508/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,914
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,995
−HK$2,115/mo
Today · 4.125%
HK$71,110
baseline
▲ 0.50% · 4.625%
HK$75,437
+HK$4,327/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,220/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$846,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,441
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,437
−HK$2,026/mo
Today · 4.125%
HK$78,463
baseline
▲ 0.50% · 4.625%
HK$82,598
+HK$4,135/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,926/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$846,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,032
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,708
−HK$2,719/mo
Today · 4.125%
HK$91,427
baseline
▲ 0.50% · 4.625%
HK$96,990
+HK$5,563/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,854/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,710
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,277
−HK$2,604/mo
Today · 4.125%
HK$100,881
baseline
▲ 0.50% · 4.625%
HK$106,198
+HK$5,317/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,762/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,058 · Scale 2, in force from 26 Feb 2026)