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$47,807
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,294
−HK$1,511/mo
Today · 4.125%
HK$50,805
baseline
▲ 0.50% · 4.625%
HK$53,896
+HK$3,091/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,610/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,185
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,611
−HK$1,447/mo
Today · 4.125%
HK$56,058
baseline
▲ 0.50% · 4.625%
HK$59,013
+HK$2,955/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,116/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,368
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,153
−HK$1,813/mo
Today · 4.125%
HK$60,966
baseline
▲ 0.50% · 4.625%
HK$64,676
+HK$3,710/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,932/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,822
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,534
−HK$1,736/mo
Today · 4.125%
HK$67,270
baseline
▲ 0.50% · 4.625%
HK$70,816
+HK$3,546/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,540/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,930
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,012
−HK$2,115/mo
Today · 4.125%
HK$71,127
baseline
▲ 0.50% · 4.625%
HK$75,455
+HK$4,328/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,254/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,459
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,456
−HK$2,026/mo
Today · 4.125%
HK$78,482
baseline
▲ 0.50% · 4.625%
HK$82,619
+HK$4,137/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$156,964/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,053
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,729
−HK$2,720/mo
Today · 4.125%
HK$91,449
baseline
▲ 0.50% · 4.625%
HK$97,013
+HK$5,564/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,898/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,733
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,300
−HK$2,605/mo
Today · 4.125%
HK$100,905
baseline
▲ 0.50% · 4.625%
HK$106,224
+HK$5,319/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,810/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,566 · Scale 2, in force from 26 Feb 2026)