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$47,828
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,316
−HK$1,511/mo
Today · 4.125%
HK$50,827
baseline
▲ 0.50% · 4.625%
HK$53,920
+HK$3,093/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,654/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,208
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,635
−HK$1,448/mo
Today · 4.125%
HK$56,083
baseline
▲ 0.50% · 4.625%
HK$59,039
+HK$2,956/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,166/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$847,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,393
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,179
−HK$1,814/mo
Today · 4.125%
HK$60,993
baseline
▲ 0.50% · 4.625%
HK$64,704
+HK$3,711/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,986/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,850
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$65,562
−HK$1,737/mo
Today · 4.125%
HK$67,299
baseline
▲ 0.50% · 4.625%
HK$70,847
+HK$3,548/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,598/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$847,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,959
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,042
−HK$2,116/mo
Today · 4.125%
HK$71,158
baseline
▲ 0.50% · 4.625%
HK$75,488
+HK$4,330/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,316/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,491
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,489
−HK$2,027/mo
Today · 4.125%
HK$78,516
baseline
▲ 0.50% · 4.625%
HK$82,654
+HK$4,138/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$157,032/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$847,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,090
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,768
−HK$2,721/mo
Today · 4.125%
HK$91,489
baseline
▲ 0.50% · 4.625%
HK$97,056
+HK$5,567/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$182,978/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,774
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,343
−HK$2,606/mo
Today · 4.125%
HK$100,949
baseline
▲ 0.50% · 4.625%
HK$106,270
+HK$5,321/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,898/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$847,478 · Scale 2, in force from 26 Feb 2026)