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$47,837
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,325
−HK$1,511/mo
Today · 4.125%
HK$50,836
baseline
▲ 0.50% · 4.625%
HK$53,930
+HK$3,094/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,672/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,218
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,645
−HK$1,448/mo
Today · 4.125%
HK$56,093
baseline
▲ 0.50% · 4.625%
HK$59,050
+HK$2,957/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,186/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,404
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,190
−HK$1,814/mo
Today · 4.125%
HK$61,004
baseline
▲ 0.50% · 4.625%
HK$64,716
+HK$3,712/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,008/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,861
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,574
−HK$1,738/mo
Today · 4.125%
HK$67,312
baseline
▲ 0.50% · 4.625%
HK$70,860
+HK$3,548/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,624/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,971
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,054
−HK$2,117/mo
Today · 4.125%
HK$71,171
baseline
▲ 0.50% · 4.625%
HK$75,502
+HK$4,331/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$142,342/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,505
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,503
−HK$2,027/mo
Today · 4.125%
HK$78,530
baseline
▲ 0.50% · 4.625%
HK$82,670
+HK$4,140/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$157,060/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,106
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,784
−HK$2,721/mo
Today · 4.125%
HK$91,505
baseline
▲ 0.50% · 4.625%
HK$97,073
+HK$5,568/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$183,010/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,792
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,361
−HK$2,606/mo
Today · 4.125%
HK$100,967
baseline
▲ 0.50% · 4.625%
HK$106,289
+HK$5,322/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,934/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,861 · Scale 2, in force from 26 Feb 2026)