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$47,863
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,351
−HK$1,513/mo
Today · 4.125%
HK$50,864
baseline
▲ 0.50% · 4.625%
HK$53,959
+HK$3,095/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,728/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,247
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,675
−HK$1,448/mo
Today · 4.125%
HK$56,123
baseline
▲ 0.50% · 4.625%
HK$59,082
+HK$2,959/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,246/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,435
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,222
−HK$1,815/mo
Today · 4.125%
HK$61,037
baseline
▲ 0.50% · 4.625%
HK$64,751
+HK$3,714/mo
Deposit HK$8.40M · loan HK$12.59M · min. income ≈ HK$122,074/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,896
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,610
−HK$1,738/mo
Today · 4.125%
HK$67,348
baseline
▲ 0.50% · 4.625%
HK$70,898
+HK$3,550/mo
Deposit HK$8.40M · loan HK$12.59M · min. income ≈ HK$134,696/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,008
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,092
−HK$2,118/mo
Today · 4.125%
HK$71,210
baseline
▲ 0.50% · 4.625%
HK$75,542
+HK$4,332/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,420/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$848,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,545
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,545
−HK$2,028/mo
Today · 4.125%
HK$78,573
baseline
▲ 0.50% · 4.625%
HK$82,714
+HK$4,141/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,146/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$848,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,153
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,832
−HK$2,723/mo
Today · 4.125%
HK$91,555
baseline
▲ 0.50% · 4.625%
HK$97,126
+HK$5,571/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,110/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,844
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,414
−HK$2,608/mo
Today · 4.125%
HK$101,022
baseline
▲ 0.50% · 4.625%
HK$106,347
+HK$5,325/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,044/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,999 · Scale 2, in force from 26 Feb 2026)