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$47,779
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,266
−HK$1,510/mo
Today · 4.125%
HK$50,776
baseline
▲ 0.50% · 4.625%
HK$53,865
+HK$3,089/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,552/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,154
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,580
−HK$1,446/mo
Today · 4.125%
HK$56,026
baseline
▲ 0.50% · 4.625%
HK$58,979
+HK$2,953/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,052/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,335
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,119
−HK$1,812/mo
Today · 4.125%
HK$60,931
baseline
▲ 0.50% · 4.625%
HK$64,638
+HK$3,707/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,862/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,785
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,496
−HK$1,735/mo
Today · 4.125%
HK$67,231
baseline
▲ 0.50% · 4.625%
HK$70,775
+HK$3,544/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,462/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,891
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,972
−HK$2,114/mo
Today · 4.125%
HK$71,086
baseline
▲ 0.50% · 4.625%
HK$75,411
+HK$4,325/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,172/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,416
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,412
−HK$2,024/mo
Today · 4.125%
HK$78,436
baseline
▲ 0.50% · 4.625%
HK$82,571
+HK$4,135/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,872/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,003
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,678
−HK$2,718/mo
Today · 4.125%
HK$91,396
baseline
▲ 0.50% · 4.625%
HK$96,957
+HK$5,561/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,792/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,678
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,244
−HK$2,603/mo
Today · 4.125%
HK$100,847
baseline
▲ 0.50% · 4.625%
HK$106,162
+HK$5,315/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,694/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,356 · Scale 2, in force from 26 Feb 2026)