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$47,831
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,319
−HK$1,511/mo
Today · 4.125%
HK$50,830
baseline
▲ 0.50% · 4.625%
HK$53,923
+HK$3,093/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,660/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,212
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,639
−HK$1,447/mo
Today · 4.125%
HK$56,086
baseline
▲ 0.50% · 4.625%
HK$59,043
+HK$2,957/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,172/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$847,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,397
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,183
−HK$1,814/mo
Today · 4.125%
HK$60,997
baseline
▲ 0.50% · 4.625%
HK$64,708
+HK$3,711/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$121,994/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,854
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$65,566
−HK$1,738/mo
Today · 4.125%
HK$67,304
baseline
▲ 0.50% · 4.625%
HK$70,851
+HK$3,547/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,608/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,963
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,046
−HK$2,117/mo
Today · 4.125%
HK$71,163
baseline
▲ 0.50% · 4.625%
HK$75,493
+HK$4,330/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,326/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,496
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,494
−HK$2,027/mo
Today · 4.125%
HK$78,521
baseline
▲ 0.50% · 4.625%
HK$82,660
+HK$4,139/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$157,042/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,096
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,774
−HK$2,721/mo
Today · 4.125%
HK$91,495
baseline
▲ 0.50% · 4.625%
HK$97,062
+HK$5,567/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$182,990/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,781
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,350
−HK$2,606/mo
Today · 4.125%
HK$100,956
baseline
▲ 0.50% · 4.625%
HK$106,277
+HK$5,321/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,912/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$847,618 · Scale 2, in force from 26 Feb 2026)