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$47,851
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,339
−HK$1,512/mo
Today · 4.125%
HK$50,851
baseline
▲ 0.50% · 4.625%
HK$53,945
+HK$3,094/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,702/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,233
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,661
−HK$1,448/mo
Today · 4.125%
HK$56,109
baseline
▲ 0.50% · 4.625%
HK$59,067
+HK$2,958/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,218/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,421
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,207
−HK$1,814/mo
Today · 4.125%
HK$61,021
baseline
▲ 0.50% · 4.625%
HK$64,734
+HK$3,713/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,042/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,880
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,593
−HK$1,738/mo
Today · 4.125%
HK$67,331
baseline
▲ 0.50% · 4.625%
HK$70,880
+HK$3,549/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,662/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,991
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,075
−HK$2,117/mo
Today · 4.125%
HK$71,192
baseline
▲ 0.50% · 4.625%
HK$75,524
+HK$4,332/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,384/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,527
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,525
−HK$2,028/mo
Today · 4.125%
HK$78,553
baseline
▲ 0.50% · 4.625%
HK$82,694
+HK$4,141/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,106/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,131
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,810
−HK$2,722/mo
Today · 4.125%
HK$91,532
baseline
▲ 0.50% · 4.625%
HK$97,102
+HK$5,570/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,064/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,820
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,390
−HK$2,607/mo
Today · 4.125%
HK$100,997
baseline
▲ 0.50% · 4.625%
HK$106,320
+HK$5,323/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$201,994/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,474 · Scale 2, in force from 26 Feb 2026)