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$47,797
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,284
−HK$1,511/mo
Today · 4.125%
HK$50,795
baseline
▲ 0.50% · 4.625%
HK$53,886
+HK$3,091/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,590/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,174
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,600
−HK$1,447/mo
Today · 4.125%
HK$56,047
baseline
▲ 0.50% · 4.625%
HK$59,001
+HK$2,954/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,094/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,357
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,141
−HK$1,813/mo
Today · 4.125%
HK$60,954
baseline
▲ 0.50% · 4.625%
HK$64,663
+HK$3,709/mo
Deposit HK$8.38M · loan HK$12.58M · min. income ≈ HK$121,908/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,809
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,520
−HK$1,736/mo
Today · 4.125%
HK$67,256
baseline
▲ 0.50% · 4.625%
HK$70,802
+HK$3,546/mo
Deposit HK$8.38M · loan HK$12.58M · min. income ≈ HK$134,512/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,916
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$68,998
−HK$2,115/mo
Today · 4.125%
HK$71,113
baseline
▲ 0.50% · 4.625%
HK$75,440
+HK$4,327/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,226/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$846,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,444
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,440
−HK$2,026/mo
Today · 4.125%
HK$78,466
baseline
▲ 0.50% · 4.625%
HK$82,602
+HK$4,136/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,932/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$846,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,035
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,712
−HK$2,719/mo
Today · 4.125%
HK$91,431
baseline
▲ 0.50% · 4.625%
HK$96,994
+HK$5,563/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,862/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,714
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,281
−HK$2,604/mo
Today · 4.125%
HK$100,885
baseline
▲ 0.50% · 4.625%
HK$106,202
+HK$5,317/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,770/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,144 · Scale 2, in force from 26 Feb 2026)