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$47,789
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,275
−HK$1,511/mo
Today · 4.125%
HK$50,786
baseline
▲ 0.50% · 4.625%
HK$53,876
+HK$3,090/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,572/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,165
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,590
−HK$1,447/mo
Today · 4.125%
HK$56,037
baseline
▲ 0.50% · 4.625%
HK$58,991
+HK$2,954/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,074/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,347
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,130
−HK$1,813/mo
Today · 4.125%
HK$60,943
baseline
▲ 0.50% · 4.625%
HK$64,651
+HK$3,708/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,886/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,798
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,509
−HK$1,735/mo
Today · 4.125%
HK$67,244
baseline
▲ 0.50% · 4.625%
HK$70,789
+HK$3,545/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,488/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,904
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,985
−HK$2,115/mo
Today · 4.125%
HK$71,100
baseline
▲ 0.50% · 4.625%
HK$75,426
+HK$4,326/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,200/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,430
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,427
−HK$2,025/mo
Today · 4.125%
HK$78,452
baseline
▲ 0.50% · 4.625%
HK$82,587
+HK$4,135/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,904/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,020
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,696
−HK$2,718/mo
Today · 4.125%
HK$91,414
baseline
▲ 0.50% · 4.625%
HK$96,976
+HK$5,562/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,828/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,696
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,263
−HK$2,603/mo
Today · 4.125%
HK$100,866
baseline
▲ 0.50% · 4.625%
HK$106,183
+HK$5,317/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,732/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,766 · Scale 2, in force from 26 Feb 2026)