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$47,846
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,334
−HK$1,512/mo
Today · 4.125%
HK$50,846
baseline
▲ 0.50% · 4.625%
HK$53,940
+HK$3,094/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,692/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,228
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,655
−HK$1,449/mo
Today · 4.125%
HK$56,104
baseline
▲ 0.50% · 4.625%
HK$59,061
+HK$2,957/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,208/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,415
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,201
−HK$1,814/mo
Today · 4.125%
HK$61,015
baseline
▲ 0.50% · 4.625%
HK$64,728
+HK$3,713/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,030/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,873
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,586
−HK$1,738/mo
Today · 4.125%
HK$67,324
baseline
▲ 0.50% · 4.625%
HK$70,873
+HK$3,549/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,648/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,984
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,068
−HK$2,116/mo
Today · 4.125%
HK$71,184
baseline
▲ 0.50% · 4.625%
HK$75,516
+HK$4,332/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$142,368/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,519
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,518
−HK$2,027/mo
Today · 4.125%
HK$78,545
baseline
▲ 0.50% · 4.625%
HK$82,685
+HK$4,140/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$157,090/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,122
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,801
−HK$2,722/mo
Today · 4.125%
HK$91,523
baseline
▲ 0.50% · 4.625%
HK$97,092
+HK$5,569/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$183,046/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,810
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,380
−HK$2,606/mo
Today · 4.125%
HK$100,986
baseline
▲ 0.50% · 4.625%
HK$106,310
+HK$5,324/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,972/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,260 · Scale 2, in force from 26 Feb 2026)