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$47,820
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,307
−HK$1,512/mo
Today · 4.125%
HK$50,819
baseline
▲ 0.50% · 4.625%
HK$53,911
+HK$3,092/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,638/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,199
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,626
−HK$1,447/mo
Today · 4.125%
HK$56,073
baseline
▲ 0.50% · 4.625%
HK$59,029
+HK$2,956/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,146/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,384
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,169
−HK$1,813/mo
Today · 4.125%
HK$60,982
baseline
▲ 0.50% · 4.625%
HK$64,693
+HK$3,711/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,964/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,839
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,551
−HK$1,737/mo
Today · 4.125%
HK$67,288
baseline
▲ 0.50% · 4.625%
HK$70,835
+HK$3,547/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,576/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,948
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,030
−HK$2,116/mo
Today · 4.125%
HK$71,146
baseline
▲ 0.50% · 4.625%
HK$75,475
+HK$4,329/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,292/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,479
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,476
−HK$2,026/mo
Today · 4.125%
HK$78,502
baseline
▲ 0.50% · 4.625%
HK$82,640
+HK$4,138/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$157,004/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,076
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,753
−HK$2,720/mo
Today · 4.125%
HK$91,473
baseline
▲ 0.50% · 4.625%
HK$97,039
+HK$5,566/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,946/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,758
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,326
−HK$2,606/mo
Today · 4.125%
HK$100,932
baseline
▲ 0.50% · 4.625%
HK$106,252
+HK$5,320/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,864/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,123 · Scale 2, in force from 26 Feb 2026)