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$47,805
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,292
−HK$1,511/mo
Today · 4.125%
HK$50,803
baseline
▲ 0.50% · 4.625%
HK$53,894
+HK$3,091/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,606/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,183
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,609
−HK$1,447/mo
Today · 4.125%
HK$56,056
baseline
▲ 0.50% · 4.625%
HK$59,011
+HK$2,955/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,112/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,366
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,151
−HK$1,813/mo
Today · 4.125%
HK$60,964
baseline
▲ 0.50% · 4.625%
HK$64,673
+HK$3,709/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,928/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,820
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,531
−HK$1,737/mo
Today · 4.125%
HK$67,268
baseline
▲ 0.50% · 4.625%
HK$70,813
+HK$3,545/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,536/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,928
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$69,009
−HK$2,115/mo
Today · 4.125%
HK$71,124
baseline
▲ 0.50% · 4.625%
HK$75,452
+HK$4,328/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,248/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,456
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,453
−HK$2,026/mo
Today · 4.125%
HK$78,479
baseline
▲ 0.50% · 4.625%
HK$82,616
+HK$4,137/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$156,958/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,050
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,726
−HK$2,720/mo
Today · 4.125%
HK$91,446
baseline
▲ 0.50% · 4.625%
HK$97,010
+HK$5,564/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,892/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,729
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,297
−HK$2,604/mo
Today · 4.125%
HK$100,901
baseline
▲ 0.50% · 4.625%
HK$106,220
+HK$5,319/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,802/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,492 · Scale 2, in force from 26 Feb 2026)