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$47,802
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,289
−HK$1,511/mo
Today · 4.125%
HK$50,800
baseline
▲ 0.50% · 4.625%
HK$53,891
+HK$3,091/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,600/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,180
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,606
−HK$1,447/mo
Today · 4.125%
HK$56,053
baseline
▲ 0.50% · 4.625%
HK$59,007
+HK$2,954/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,106/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,363
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,147
−HK$1,813/mo
Today · 4.125%
HK$60,960
baseline
▲ 0.50% · 4.625%
HK$64,669
+HK$3,709/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,920/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,816
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,527
−HK$1,736/mo
Today · 4.125%
HK$67,263
baseline
▲ 0.50% · 4.625%
HK$70,809
+HK$3,546/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,526/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,923
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,005
−HK$2,115/mo
Today · 4.125%
HK$71,120
baseline
▲ 0.50% · 4.625%
HK$75,448
+HK$4,328/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,240/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,452
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,448
−HK$2,026/mo
Today · 4.125%
HK$78,474
baseline
▲ 0.50% · 4.625%
HK$82,610
+HK$4,136/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,948/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,044
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,721
−HK$2,719/mo
Today · 4.125%
HK$91,440
baseline
▲ 0.50% · 4.625%
HK$97,004
+HK$5,564/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,880/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,723
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,291
−HK$2,604/mo
Today · 4.125%
HK$100,895
baseline
▲ 0.50% · 4.625%
HK$106,213
+HK$5,318/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,790/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,362 · Scale 2, in force from 26 Feb 2026)