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$47,861
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,350
−HK$1,512/mo
Today · 4.125%
HK$50,862
baseline
▲ 0.50% · 4.625%
HK$53,957
+HK$3,095/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,724/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,245
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,673
−HK$1,448/mo
Today · 4.125%
HK$56,121
baseline
▲ 0.50% · 4.625%
HK$59,080
+HK$2,959/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,242/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,433
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,220
−HK$1,815/mo
Today · 4.125%
HK$61,035
baseline
▲ 0.50% · 4.625%
HK$64,748
+HK$3,713/mo
Deposit HK$8.40M · loan HK$12.59M · min. income ≈ HK$122,070/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,894
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,607
−HK$1,739/mo
Today · 4.125%
HK$67,346
baseline
▲ 0.50% · 4.625%
HK$70,896
+HK$3,550/mo
Deposit HK$8.40M · loan HK$12.59M · min. income ≈ HK$134,692/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,005
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,089
−HK$2,118/mo
Today · 4.125%
HK$71,207
baseline
▲ 0.50% · 4.625%
HK$75,540
+HK$4,333/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,414/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$848,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,543
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,542
−HK$2,028/mo
Today · 4.125%
HK$78,570
baseline
▲ 0.50% · 4.625%
HK$82,711
+HK$4,141/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,140/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$848,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,150
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,829
−HK$2,723/mo
Today · 4.125%
HK$91,552
baseline
▲ 0.50% · 4.625%
HK$97,123
+HK$5,571/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,104/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,840
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,411
−HK$2,607/mo
Today · 4.125%
HK$101,018
baseline
▲ 0.50% · 4.625%
HK$106,343
+HK$5,325/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,036/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,924 · Scale 2, in force from 26 Feb 2026)