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$47,827
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,314
−HK$1,512/mo
Today · 4.125%
HK$50,826
baseline
▲ 0.50% · 4.625%
HK$53,918
+HK$3,092/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,652/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,207
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,634
−HK$1,447/mo
Today · 4.125%
HK$56,081
baseline
▲ 0.50% · 4.625%
HK$59,037
+HK$2,956/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,162/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,392
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,177
−HK$1,814/mo
Today · 4.125%
HK$60,991
baseline
▲ 0.50% · 4.625%
HK$64,702
+HK$3,711/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,982/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,848
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,560
−HK$1,738/mo
Today · 4.125%
HK$67,298
baseline
▲ 0.50% · 4.625%
HK$70,845
+HK$3,547/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,596/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,957
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,040
−HK$2,116/mo
Today · 4.125%
HK$71,156
baseline
▲ 0.50% · 4.625%
HK$75,486
+HK$4,330/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,312/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,489
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,487
−HK$2,027/mo
Today · 4.125%
HK$78,514
baseline
▲ 0.50% · 4.625%
HK$82,652
+HK$4,138/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$157,028/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,088
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,766
−HK$2,720/mo
Today · 4.125%
HK$91,486
baseline
▲ 0.50% · 4.625%
HK$97,053
+HK$5,567/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$182,972/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,772
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,341
−HK$2,605/mo
Today · 4.125%
HK$100,946
baseline
▲ 0.50% · 4.625%
HK$106,267
+HK$5,321/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,892/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,426 · Scale 2, in force from 26 Feb 2026)