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$47,862
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,350
−HK$1,513/mo
Today · 4.125%
HK$50,863
baseline
▲ 0.50% · 4.625%
HK$53,958
+HK$3,095/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,726/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,246
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,674
−HK$1,448/mo
Today · 4.125%
HK$56,122
baseline
▲ 0.50% · 4.625%
HK$59,081
+HK$2,959/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,244/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,434
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$59,221
−HK$1,815/mo
Today · 4.125%
HK$61,036
baseline
▲ 0.50% · 4.625%
HK$64,750
+HK$3,714/mo
Deposit HK$8.40M · loan HK$12.59M · min. income ≈ HK$122,072/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,895
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,608
−HK$1,739/mo
Today · 4.125%
HK$67,347
baseline
▲ 0.50% · 4.625%
HK$70,897
+HK$3,550/mo
Deposit HK$8.40M · loan HK$12.59M · min. income ≈ HK$134,694/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,006
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,091
−HK$2,117/mo
Today · 4.125%
HK$71,208
baseline
▲ 0.50% · 4.625%
HK$75,541
+HK$4,333/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,416/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$848,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,544
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,543
−HK$2,028/mo
Today · 4.125%
HK$78,571
baseline
▲ 0.50% · 4.625%
HK$82,713
+HK$4,142/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,142/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$848,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,151
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,831
−HK$2,723/mo
Today · 4.125%
HK$91,554
baseline
▲ 0.50% · 4.625%
HK$97,124
+HK$5,570/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,108/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,842
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,413
−HK$2,607/mo
Today · 4.125%
HK$101,020
baseline
▲ 0.50% · 4.625%
HK$106,345
+HK$5,325/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,040/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,963 · Scale 2, in force from 26 Feb 2026)