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$47,784
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,271
−HK$1,510/mo
Today · 4.125%
HK$50,781
baseline
▲ 0.50% · 4.625%
HK$53,871
+HK$3,090/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,562/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,160
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,585
−HK$1,447/mo
Today · 4.125%
HK$56,032
baseline
▲ 0.50% · 4.625%
HK$58,985
+HK$2,953/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,064/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,341
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,125
−HK$1,812/mo
Today · 4.125%
HK$60,937
baseline
▲ 0.50% · 4.625%
HK$64,645
+HK$3,708/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,874/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,792
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,503
−HK$1,735/mo
Today · 4.125%
HK$67,238
baseline
▲ 0.50% · 4.625%
HK$70,782
+HK$3,544/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,476/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,898
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,979
−HK$2,114/mo
Today · 4.125%
HK$71,093
baseline
▲ 0.50% · 4.625%
HK$75,419
+HK$4,326/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,186/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,424
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,420
−HK$2,025/mo
Today · 4.125%
HK$78,445
baseline
▲ 0.50% · 4.625%
HK$82,579
+HK$4,134/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,890/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,012
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,688
−HK$2,718/mo
Today · 4.125%
HK$91,406
baseline
▲ 0.50% · 4.625%
HK$96,968
+HK$5,562/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,812/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,688
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,254
−HK$2,603/mo
Today · 4.125%
HK$100,857
baseline
▲ 0.50% · 4.625%
HK$106,174
+HK$5,317/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,714/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,575 · Scale 2, in force from 26 Feb 2026)