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$47,818
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,305
−HK$1,511/mo
Today · 4.125%
HK$50,816
baseline
▲ 0.50% · 4.625%
HK$53,909
+HK$3,093/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,632/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,197
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,624
−HK$1,447/mo
Today · 4.125%
HK$56,071
baseline
▲ 0.50% · 4.625%
HK$59,027
+HK$2,956/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,142/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,381
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,166
−HK$1,814/mo
Today · 4.125%
HK$60,980
baseline
▲ 0.50% · 4.625%
HK$64,690
+HK$3,710/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,960/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,836
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,548
−HK$1,737/mo
Today · 4.125%
HK$67,285
baseline
▲ 0.50% · 4.625%
HK$70,832
+HK$3,547/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,570/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,945
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,027
−HK$2,116/mo
Today · 4.125%
HK$71,143
baseline
▲ 0.50% · 4.625%
HK$75,472
+HK$4,329/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,286/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,476
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,473
−HK$2,026/mo
Today · 4.125%
HK$78,499
baseline
▲ 0.50% · 4.625%
HK$82,637
+HK$4,138/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$156,998/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,072
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,750
−HK$2,720/mo
Today · 4.125%
HK$91,470
baseline
▲ 0.50% · 4.625%
HK$97,035
+HK$5,565/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,940/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,754
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,323
−HK$2,605/mo
Today · 4.125%
HK$100,928
baseline
▲ 0.50% · 4.625%
HK$106,248
+HK$5,320/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,856/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,040 · Scale 2, in force from 26 Feb 2026)