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$47,815
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,302
−HK$1,512/mo
Today · 4.125%
HK$50,814
baseline
▲ 0.50% · 4.625%
HK$53,905
+HK$3,091/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,628/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,194
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,620
−HK$1,448/mo
Today · 4.125%
HK$56,068
baseline
▲ 0.50% · 4.625%
HK$59,023
+HK$2,955/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,136/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,378
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,163
−HK$1,813/mo
Today · 4.125%
HK$60,976
baseline
▲ 0.50% · 4.625%
HK$64,687
+HK$3,711/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,952/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,833
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,545
−HK$1,736/mo
Today · 4.125%
HK$67,281
baseline
▲ 0.50% · 4.625%
HK$70,828
+HK$3,547/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,562/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,941
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,023
−HK$2,116/mo
Today · 4.125%
HK$71,139
baseline
▲ 0.50% · 4.625%
HK$75,468
+HK$4,329/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,278/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,471
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,469
−HK$2,026/mo
Today · 4.125%
HK$78,495
baseline
▲ 0.50% · 4.625%
HK$82,632
+HK$4,137/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$156,990/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,067
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,744
−HK$2,720/mo
Today · 4.125%
HK$91,464
baseline
▲ 0.50% · 4.625%
HK$97,030
+HK$5,566/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,928/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,749
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,317
−HK$2,605/mo
Today · 4.125%
HK$100,922
baseline
▲ 0.50% · 4.625%
HK$106,242
+HK$5,320/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,844/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,919 · Scale 2, in force from 26 Feb 2026)