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$47,853
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,342
−HK$1,512/mo
Today · 4.125%
HK$50,854
baseline
▲ 0.50% · 4.625%
HK$53,948
+HK$3,094/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,708/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,236
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,664
−HK$1,448/mo
Today · 4.125%
HK$56,112
baseline
▲ 0.50% · 4.625%
HK$59,070
+HK$2,958/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,224/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,424
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,210
−HK$1,815/mo
Today · 4.125%
HK$61,025
baseline
▲ 0.50% · 4.625%
HK$64,738
+HK$3,713/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,050/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,883
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,597
−HK$1,738/mo
Today · 4.125%
HK$67,335
baseline
▲ 0.50% · 4.625%
HK$70,884
+HK$3,549/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,670/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,994
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,078
−HK$2,117/mo
Today · 4.125%
HK$71,195
baseline
▲ 0.50% · 4.625%
HK$75,528
+HK$4,333/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,390/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,531
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,529
−HK$2,028/mo
Today · 4.125%
HK$78,557
baseline
▲ 0.50% · 4.625%
HK$82,698
+HK$4,141/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,114/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,136
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,815
−HK$2,722/mo
Today · 4.125%
HK$91,537
baseline
▲ 0.50% · 4.625%
HK$97,107
+HK$5,570/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,074/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,825
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,395
−HK$2,607/mo
Today · 4.125%
HK$101,002
baseline
▲ 0.50% · 4.625%
HK$106,326
+HK$5,324/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,004/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,584 · Scale 2, in force from 26 Feb 2026)