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$47,790
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,276
−HK$1,510/mo
Today · 4.125%
HK$50,786
baseline
▲ 0.50% · 4.625%
HK$53,877
+HK$3,091/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,572/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,165
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,591
−HK$1,447/mo
Today · 4.125%
HK$56,038
baseline
▲ 0.50% · 4.625%
HK$58,992
+HK$2,954/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,076/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,348
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,131
−HK$1,813/mo
Today · 4.125%
HK$60,944
baseline
▲ 0.50% · 4.625%
HK$64,652
+HK$3,708/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,888/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,799
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,510
−HK$1,735/mo
Today · 4.125%
HK$67,245
baseline
▲ 0.50% · 4.625%
HK$70,790
+HK$3,545/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,490/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,905
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,987
−HK$2,114/mo
Today · 4.125%
HK$71,101
baseline
▲ 0.50% · 4.625%
HK$75,427
+HK$4,326/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,202/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,432
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,428
−HK$2,025/mo
Today · 4.125%
HK$78,453
baseline
▲ 0.50% · 4.625%
HK$82,588
+HK$4,135/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,906/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,021
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,697
−HK$2,719/mo
Today · 4.125%
HK$91,416
baseline
▲ 0.50% · 4.625%
HK$96,978
+HK$5,562/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,832/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,698
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,264
−HK$2,604/mo
Today · 4.125%
HK$100,868
baseline
▲ 0.50% · 4.625%
HK$106,185
+HK$5,317/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,736/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,801 · Scale 2, in force from 26 Feb 2026)