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$47,835
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,323
−HK$1,512/mo
Today · 4.125%
HK$50,835
baseline
▲ 0.50% · 4.625%
HK$53,928
+HK$3,093/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,670/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,216
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,643
−HK$1,448/mo
Today · 4.125%
HK$56,091
baseline
▲ 0.50% · 4.625%
HK$59,048
+HK$2,957/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,182/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,402
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,187
−HK$1,815/mo
Today · 4.125%
HK$61,002
baseline
▲ 0.50% · 4.625%
HK$64,713
+HK$3,711/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,004/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,859
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,572
−HK$1,737/mo
Today · 4.125%
HK$67,309
baseline
▲ 0.50% · 4.625%
HK$70,857
+HK$3,548/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,618/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,969
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,052
−HK$2,116/mo
Today · 4.125%
HK$71,168
baseline
▲ 0.50% · 4.625%
HK$75,499
+HK$4,331/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,336/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,502
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,500
−HK$2,027/mo
Today · 4.125%
HK$78,527
baseline
▲ 0.50% · 4.625%
HK$82,667
+HK$4,140/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$157,054/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,103
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,781
−HK$2,721/mo
Today · 4.125%
HK$91,502
baseline
▲ 0.50% · 4.625%
HK$97,070
+HK$5,568/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$183,004/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,789
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,358
−HK$2,606/mo
Today · 4.125%
HK$100,964
baseline
▲ 0.50% · 4.625%
HK$106,286
+HK$5,322/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,928/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,787 · Scale 2, in force from 26 Feb 2026)