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$47,792
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,278
−HK$1,511/mo
Today · 4.125%
HK$50,789
baseline
▲ 0.50% · 4.625%
HK$53,879
+HK$3,090/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,578/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$845,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,168
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,594
−HK$1,446/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$845,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,350
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,134
−HK$1,812/mo
Today · 4.125%
HK$60,946
baseline
▲ 0.50% · 4.625%
HK$64,655
+HK$3,709/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$845,889 · 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$70,793
+HK$3,545/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$845,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,908
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,990
−HK$2,114/mo
Today · 4.125%
HK$71,104
baseline
▲ 0.50% · 4.625%
HK$75,431
+HK$4,327/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,208/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,435
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,431
−HK$2,025/mo
Today · 4.125%
HK$78,456
baseline
▲ 0.50% · 4.625%
HK$82,592
+HK$4,136/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,912/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,025
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,701
−HK$2,718/mo
Today · 4.125%
HK$91,419
baseline
▲ 0.50% · 4.625%
HK$96,982
+HK$5,563/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,838/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,702
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,269
−HK$2,603/mo
Today · 4.125%
HK$100,872
baseline
▲ 0.50% · 4.625%
HK$106,189
+HK$5,317/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,744/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,889 · Scale 2, in force from 26 Feb 2026)