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$47,799
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,286
−HK$1,511/mo
Today · 4.125%
HK$50,797
baseline
▲ 0.50% · 4.625%
HK$53,888
+HK$3,091/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,594/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,176
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,602
−HK$1,447/mo
Today · 4.125%
HK$56,049
baseline
▲ 0.50% · 4.625%
HK$59,004
+HK$2,955/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,098/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,359
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,143
−HK$1,813/mo
Today · 4.125%
HK$60,956
baseline
▲ 0.50% · 4.625%
HK$64,665
+HK$3,709/mo
Deposit HK$8.38M · loan HK$12.58M · min. income ≈ HK$121,912/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,812
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,523
−HK$1,736/mo
Today · 4.125%
HK$67,259
baseline
▲ 0.50% · 4.625%
HK$70,804
+HK$3,545/mo
Deposit HK$8.38M · loan HK$12.58M · min. income ≈ HK$134,518/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,919
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$69,001
−HK$2,114/mo
Today · 4.125%
HK$71,115
baseline
▲ 0.50% · 4.625%
HK$75,443
+HK$4,328/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,230/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$846,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,447
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,443
−HK$2,026/mo
Today · 4.125%
HK$78,469
baseline
▲ 0.50% · 4.625%
HK$82,605
+HK$4,136/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,938/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$846,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,039
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,715
−HK$2,719/mo
Today · 4.125%
HK$91,434
baseline
▲ 0.50% · 4.625%
HK$96,998
+HK$5,564/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,868/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,717
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,284
−HK$2,605/mo
Today · 4.125%
HK$100,889
baseline
▲ 0.50% · 4.625%
HK$106,207
+HK$5,318/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,778/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,226 · Scale 2, in force from 26 Feb 2026)