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$47,839
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,327
−HK$1,511/mo
Today · 4.125%
HK$50,838
baseline
▲ 0.50% · 4.625%
HK$53,932
+HK$3,094/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,676/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,220
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,647
−HK$1,448/mo
Today · 4.125%
HK$56,095
baseline
▲ 0.50% · 4.625%
HK$59,052
+HK$2,957/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,190/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,406
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,192
−HK$1,814/mo
Today · 4.125%
HK$61,006
baseline
▲ 0.50% · 4.625%
HK$64,718
+HK$3,712/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,012/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,864
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,577
−HK$1,737/mo
Today · 4.125%
HK$67,314
baseline
▲ 0.50% · 4.625%
HK$70,863
+HK$3,549/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,628/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,974
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,057
−HK$2,117/mo
Today · 4.125%
HK$71,174
baseline
▲ 0.50% · 4.625%
HK$75,505
+HK$4,331/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$142,348/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,508
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,506
−HK$2,027/mo
Today · 4.125%
HK$78,533
baseline
▲ 0.50% · 4.625%
HK$82,673
+HK$4,140/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$157,066/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,109
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,788
−HK$2,721/mo
Today · 4.125%
HK$91,509
baseline
▲ 0.50% · 4.625%
HK$97,077
+HK$5,568/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$183,018/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,796
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,365
−HK$2,606/mo
Today · 4.125%
HK$100,971
baseline
▲ 0.50% · 4.625%
HK$106,294
+HK$5,323/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,942/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,948 · Scale 2, in force from 26 Feb 2026)