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$47,830
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,318
−HK$1,512/mo
Today · 4.125%
HK$50,830
baseline
▲ 0.50% · 4.625%
HK$53,923
+HK$3,093/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,660/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,211
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,638
−HK$1,448/mo
Today · 4.125%
HK$56,086
baseline
▲ 0.50% · 4.625%
HK$59,042
+HK$2,956/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,172/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,397
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,182
−HK$1,814/mo
Today · 4.125%
HK$60,996
baseline
▲ 0.50% · 4.625%
HK$64,707
+HK$3,711/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$121,992/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,853
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,566
−HK$1,737/mo
Today · 4.125%
HK$67,303
baseline
▲ 0.50% · 4.625%
HK$70,851
+HK$3,548/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,606/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,963
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,046
−HK$2,116/mo
Today · 4.125%
HK$71,162
baseline
▲ 0.50% · 4.625%
HK$75,492
+HK$4,330/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,324/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,495
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,493
−HK$2,027/mo
Today · 4.125%
HK$78,520
baseline
▲ 0.50% · 4.625%
HK$82,659
+HK$4,139/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$157,040/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,095
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,773
−HK$2,721/mo
Today · 4.125%
HK$91,494
baseline
▲ 0.50% · 4.625%
HK$97,061
+HK$5,567/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$182,988/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,780
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,348
−HK$2,606/mo
Today · 4.125%
HK$100,954
baseline
▲ 0.50% · 4.625%
HK$106,276
+HK$5,322/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,908/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,593 · Scale 2, in force from 26 Feb 2026)