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$47,828
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,316
−HK$1,512/mo
Today · 4.125%
HK$50,828
baseline
▲ 0.50% · 4.625%
HK$53,921
+HK$3,093/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,656/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,209
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,636
−HK$1,447/mo
Today · 4.125%
HK$56,083
baseline
▲ 0.50% · 4.625%
HK$59,040
+HK$2,957/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,166/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,394
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,179
−HK$1,814/mo
Today · 4.125%
HK$60,993
baseline
▲ 0.50% · 4.625%
HK$64,705
+HK$3,712/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$121,986/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,850
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,563
−HK$1,737/mo
Today · 4.125%
HK$67,300
baseline
▲ 0.50% · 4.625%
HK$70,848
+HK$3,548/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,600/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,960
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,043
−HK$2,116/mo
Today · 4.125%
HK$71,159
baseline
▲ 0.50% · 4.625%
HK$75,489
+HK$4,330/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,318/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,492
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,490
−HK$2,027/mo
Today · 4.125%
HK$78,517
baseline
▲ 0.50% · 4.625%
HK$82,656
+HK$4,139/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$157,034/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,091
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,769
−HK$2,721/mo
Today · 4.125%
HK$91,490
baseline
▲ 0.50% · 4.625%
HK$97,057
+HK$5,567/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$182,980/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,776
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,344
−HK$2,606/mo
Today · 4.125%
HK$100,950
baseline
▲ 0.50% · 4.625%
HK$106,271
+HK$5,321/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,900/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,506 · Scale 2, in force from 26 Feb 2026)