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$47,856
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,345
−HK$1,512/mo
Today · 4.125%
HK$50,857
baseline
▲ 0.50% · 4.625%
HK$53,952
+HK$3,095/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,714/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,239
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,667
−HK$1,449/mo
Today · 4.125%
HK$56,116
baseline
▲ 0.50% · 4.625%
HK$59,074
+HK$2,958/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,232/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,427
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,214
−HK$1,814/mo
Today · 4.125%
HK$61,028
baseline
▲ 0.50% · 4.625%
HK$64,742
+HK$3,714/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,056/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,887
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,601
−HK$1,738/mo
Today · 4.125%
HK$67,339
baseline
▲ 0.50% · 4.625%
HK$70,888
+HK$3,549/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,678/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,998
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,083
−HK$2,117/mo
Today · 4.125%
HK$71,200
baseline
▲ 0.50% · 4.625%
HK$75,532
+HK$4,332/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,400/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,535
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,534
−HK$2,028/mo
Today · 4.125%
HK$78,562
baseline
▲ 0.50% · 4.625%
HK$82,703
+HK$4,141/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,124/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,141
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,820
−HK$2,723/mo
Today · 4.125%
HK$91,543
baseline
▲ 0.50% · 4.625%
HK$97,113
+HK$5,570/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,086/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,831
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,401
−HK$2,607/mo
Today · 4.125%
HK$101,008
baseline
▲ 0.50% · 4.625%
HK$106,333
+HK$5,325/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,016/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,715 · Scale 2, in force from 26 Feb 2026)