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$47,821
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,308
−HK$1,511/mo
Today · 4.125%
HK$50,819
baseline
▲ 0.50% · 4.625%
HK$53,912
+HK$3,093/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$847,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,200
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,627
−HK$1,447/mo
Today · 4.125%
HK$56,074
baseline
▲ 0.50% · 4.625%
HK$59,030
+HK$2,956/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,148/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,385
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,170
−HK$1,813/mo
Today · 4.125%
HK$60,983
baseline
▲ 0.50% · 4.625%
HK$64,694
+HK$3,711/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,966/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,840
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,552
−HK$1,737/mo
Today · 4.125%
HK$67,289
baseline
▲ 0.50% · 4.625%
HK$70,836
+HK$3,547/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,578/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,949
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,031
−HK$2,116/mo
Today · 4.125%
HK$71,147
baseline
▲ 0.50% · 4.625%
HK$75,476
+HK$4,329/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,294/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,480
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,478
−HK$2,026/mo
Today · 4.125%
HK$78,504
baseline
▲ 0.50% · 4.625%
HK$82,642
+HK$4,138/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$157,008/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,077
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,755
−HK$2,720/mo
Today · 4.125%
HK$91,475
baseline
▲ 0.50% · 4.625%
HK$97,041
+HK$5,566/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,950/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,760
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,328
−HK$2,606/mo
Today · 4.125%
HK$100,934
baseline
▲ 0.50% · 4.625%
HK$106,254
+HK$5,320/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,868/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,164 · Scale 2, in force from 26 Feb 2026)