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$47,817
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,304
−HK$1,511/mo
Today · 4.125%
HK$50,815
baseline
▲ 0.50% · 4.625%
HK$53,907
+HK$3,092/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,630/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,196
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,623
−HK$1,447/mo
Today · 4.125%
HK$56,070
baseline
▲ 0.50% · 4.625%
HK$59,025
+HK$2,955/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,140/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,380
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$59,165
−HK$1,814/mo
Today · 4.125%
HK$60,979
baseline
▲ 0.50% · 4.625%
HK$64,689
+HK$3,710/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,958/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,835
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,547
−HK$1,737/mo
Today · 4.125%
HK$67,284
baseline
▲ 0.50% · 4.625%
HK$70,830
+HK$3,546/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,568/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,944
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,026
−HK$2,116/mo
Today · 4.125%
HK$71,142
baseline
▲ 0.50% · 4.625%
HK$75,470
+HK$4,328/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,284/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,474
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,472
−HK$2,026/mo
Today · 4.125%
HK$78,498
baseline
▲ 0.50% · 4.625%
HK$82,636
+HK$4,138/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$156,996/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,070
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,748
−HK$2,720/mo
Today · 4.125%
HK$91,468
baseline
▲ 0.50% · 4.625%
HK$97,033
+HK$5,565/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,936/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,753
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,321
−HK$2,605/mo
Today · 4.125%
HK$100,926
baseline
▲ 0.50% · 4.625%
HK$106,246
+HK$5,320/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,852/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,998 · Scale 2, in force from 26 Feb 2026)