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$47,842
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,331
−HK$1,511/mo
Today · 4.125%
HK$50,842
baseline
▲ 0.50% · 4.625%
HK$53,936
+HK$3,094/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,684/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,224
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,652
−HK$1,448/mo
Today · 4.125%
HK$56,100
baseline
▲ 0.50% · 4.625%
HK$59,057
+HK$2,957/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,200/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,411
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,197
−HK$1,814/mo
Today · 4.125%
HK$61,011
baseline
▲ 0.50% · 4.625%
HK$64,723
+HK$3,712/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,022/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,869
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,582
−HK$1,738/mo
Today · 4.125%
HK$67,320
baseline
▲ 0.50% · 4.625%
HK$70,868
+HK$3,548/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,640/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,979
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,063
−HK$2,116/mo
Today · 4.125%
HK$71,179
baseline
▲ 0.50% · 4.625%
HK$75,511
+HK$4,332/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$142,358/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,514
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,512
−HK$2,028/mo
Today · 4.125%
HK$78,540
baseline
▲ 0.50% · 4.625%
HK$82,679
+HK$4,139/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$157,080/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,116
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,795
−HK$2,721/mo
Today · 4.125%
HK$91,516
baseline
▲ 0.50% · 4.625%
HK$97,085
+HK$5,569/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$183,032/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,803
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,373
−HK$2,606/mo
Today · 4.125%
HK$100,979
baseline
▲ 0.50% · 4.625%
HK$106,302
+HK$5,323/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,958/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,113 · Scale 2, in force from 26 Feb 2026)