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$47,814
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,301
−HK$1,511/mo
Today · 4.125%
HK$50,812
baseline
▲ 0.50% · 4.625%
HK$53,904
+HK$3,092/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,624/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,192
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,619
−HK$1,447/mo
Today · 4.125%
HK$56,066
baseline
▲ 0.50% · 4.625%
HK$59,022
+HK$2,956/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,132/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,377
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,161
−HK$1,814/mo
Today · 4.125%
HK$60,975
baseline
▲ 0.50% · 4.625%
HK$64,685
+HK$3,710/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,950/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,831
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,543
−HK$1,737/mo
Today · 4.125%
HK$67,280
baseline
▲ 0.50% · 4.625%
HK$70,826
+HK$3,546/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,560/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,939
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,022
−HK$2,115/mo
Today · 4.125%
HK$71,137
baseline
▲ 0.50% · 4.625%
HK$75,466
+HK$4,329/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,274/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,469
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,467
−HK$2,026/mo
Today · 4.125%
HK$78,493
baseline
▲ 0.50% · 4.625%
HK$82,630
+HK$4,137/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$156,986/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,065
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,742
−HK$2,720/mo
Today · 4.125%
HK$91,462
baseline
▲ 0.50% · 4.625%
HK$97,027
+HK$5,565/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,924/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,746
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,314
−HK$2,605/mo
Today · 4.125%
HK$100,919
baseline
▲ 0.50% · 4.625%
HK$106,239
+HK$5,320/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,838/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,864 · Scale 2, in force from 26 Feb 2026)