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$47,772
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,258
−HK$1,509/mo
Today · 4.125%
HK$50,767
baseline
▲ 0.50% · 4.625%
HK$53,856
+HK$3,089/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,534/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,145
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,571
−HK$1,446/mo
Today · 4.125%
HK$56,017
baseline
▲ 0.50% · 4.625%
HK$58,969
+HK$2,952/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,034/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,326
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,109
−HK$1,812/mo
Today · 4.125%
HK$60,921
baseline
▲ 0.50% · 4.625%
HK$64,628
+HK$3,707/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,842/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,774
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,485
−HK$1,735/mo
Today · 4.125%
HK$67,220
baseline
▲ 0.50% · 4.625%
HK$70,763
+HK$3,543/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,440/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,880
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,961
−HK$2,113/mo
Today · 4.125%
HK$71,074
baseline
▲ 0.50% · 4.625%
HK$75,399
+HK$4,325/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,148/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,404
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,399
−HK$2,024/mo
Today · 4.125%
HK$78,423
baseline
▲ 0.50% · 4.625%
HK$82,557
+HK$4,134/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,846/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,989
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,664
−HK$2,717/mo
Today · 4.125%
HK$91,381
baseline
▲ 0.50% · 4.625%
HK$96,941
+HK$5,560/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,762/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,662
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,227
−HK$2,603/mo
Today · 4.125%
HK$100,830
baseline
▲ 0.50% · 4.625%
HK$106,145
+HK$5,315/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,660/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,008 · Scale 2, in force from 26 Feb 2026)