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$47,825
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,313
−HK$1,511/mo
Today · 4.125%
HK$50,824
baseline
▲ 0.50% · 4.625%
HK$53,917
+HK$3,093/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,648/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,205
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,632
−HK$1,447/mo
Today · 4.125%
HK$56,079
baseline
▲ 0.50% · 4.625%
HK$59,035
+HK$2,956/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,158/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,390
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,175
−HK$1,814/mo
Today · 4.125%
HK$60,989
baseline
▲ 0.50% · 4.625%
HK$64,700
+HK$3,711/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,978/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,846
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,558
−HK$1,737/mo
Today · 4.125%
HK$67,295
baseline
▲ 0.50% · 4.625%
HK$70,843
+HK$3,548/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,590/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,955
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,038
−HK$2,116/mo
Today · 4.125%
HK$71,154
baseline
▲ 0.50% · 4.625%
HK$75,483
+HK$4,329/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,308/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,487
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,485
−HK$2,026/mo
Today · 4.125%
HK$78,511
baseline
▲ 0.50% · 4.625%
HK$82,650
+HK$4,139/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$157,022/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,085
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,763
−HK$2,720/mo
Today · 4.125%
HK$91,483
baseline
▲ 0.50% · 4.625%
HK$97,050
+HK$5,567/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$182,966/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,769
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,337
−HK$2,606/mo
Today · 4.125%
HK$100,943
baseline
▲ 0.50% · 4.625%
HK$106,264
+HK$5,321/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,886/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,356 · Scale 2, in force from 26 Feb 2026)