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$47,843
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,332
−HK$1,512/mo
Today · 4.125%
HK$50,844
baseline
▲ 0.50% · 4.625%
HK$53,937
+HK$3,093/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,688/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,225
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,653
−HK$1,448/mo
Today · 4.125%
HK$56,101
baseline
▲ 0.50% · 4.625%
HK$59,058
+HK$2,957/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,202/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,412
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,198
−HK$1,814/mo
Today · 4.125%
HK$61,012
baseline
▲ 0.50% · 4.625%
HK$64,725
+HK$3,713/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,024/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,870
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,583
−HK$1,738/mo
Today · 4.125%
HK$67,321
baseline
▲ 0.50% · 4.625%
HK$70,870
+HK$3,549/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,642/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,981
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,064
−HK$2,117/mo
Today · 4.125%
HK$71,181
baseline
▲ 0.50% · 4.625%
HK$75,512
+HK$4,331/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$142,362/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,515
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,514
−HK$2,027/mo
Today · 4.125%
HK$78,541
baseline
▲ 0.50% · 4.625%
HK$82,681
+HK$4,140/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$157,082/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,118
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,797
−HK$2,721/mo
Today · 4.125%
HK$91,518
baseline
▲ 0.50% · 4.625%
HK$97,087
+HK$5,569/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$183,036/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,805
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,375
−HK$2,607/mo
Today · 4.125%
HK$100,982
baseline
▲ 0.50% · 4.625%
HK$106,304
+HK$5,322/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,964/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,158 · Scale 2, in force from 26 Feb 2026)