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$47,855
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,344
−HK$1,512/mo
Today · 4.125%
HK$50,856
baseline
▲ 0.50% · 4.625%
HK$53,950
+HK$3,094/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,712/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,238
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,666
−HK$1,448/mo
Today · 4.125%
HK$56,114
baseline
▲ 0.50% · 4.625%
HK$59,072
+HK$2,958/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,228/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,426
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,212
−HK$1,815/mo
Today · 4.125%
HK$61,027
baseline
▲ 0.50% · 4.625%
HK$64,740
+HK$3,713/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,054/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,886
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,599
−HK$1,738/mo
Today · 4.125%
HK$67,337
baseline
▲ 0.50% · 4.625%
HK$70,887
+HK$3,550/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,674/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,997
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,081
−HK$2,117/mo
Today · 4.125%
HK$71,198
baseline
▲ 0.50% · 4.625%
HK$75,531
+HK$4,333/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,396/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,533
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,532
−HK$2,028/mo
Today · 4.125%
HK$78,560
baseline
▲ 0.50% · 4.625%
HK$82,701
+HK$4,141/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,120/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,139
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,818
−HK$2,723/mo
Today · 4.125%
HK$91,541
baseline
▲ 0.50% · 4.625%
HK$97,111
+HK$5,570/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,082/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,829
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,399
−HK$2,607/mo
Today · 4.125%
HK$101,006
baseline
▲ 0.50% · 4.625%
HK$106,330
+HK$5,324/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,012/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,667 · Scale 2, in force from 26 Feb 2026)