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$47,773
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,259
−HK$1,509/mo
Today · 4.125%
HK$50,768
baseline
▲ 0.50% · 4.625%
HK$53,858
+HK$3,090/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,536/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,147
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,572
−HK$1,446/mo
Today · 4.125%
HK$56,018
baseline
▲ 0.50% · 4.625%
HK$58,971
+HK$2,953/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,036/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,327
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,110
−HK$1,812/mo
Today · 4.125%
HK$60,922
baseline
▲ 0.50% · 4.625%
HK$64,629
+HK$3,707/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,844/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,776
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,486
−HK$1,736/mo
Today · 4.125%
HK$67,222
baseline
▲ 0.50% · 4.625%
HK$70,765
+HK$3,543/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,444/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,882
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,962
−HK$2,114/mo
Today · 4.125%
HK$71,076
baseline
▲ 0.50% · 4.625%
HK$75,401
+HK$4,325/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,152/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,405
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,401
−HK$2,024/mo
Today · 4.125%
HK$78,425
baseline
▲ 0.50% · 4.625%
HK$82,559
+HK$4,134/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,850/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,991
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,666
−HK$2,717/mo
Today · 4.125%
HK$91,383
baseline
▲ 0.50% · 4.625%
HK$96,944
+HK$5,561/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,766/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,664
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,230
−HK$2,602/mo
Today · 4.125%
HK$100,832
baseline
▲ 0.50% · 4.625%
HK$106,147
+HK$5,315/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,664/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,057 · Scale 2, in force from 26 Feb 2026)