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$47,856
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,345
−HK$1,512/mo
Today · 4.125%
HK$50,857
baseline
▲ 0.50% · 4.625%
HK$53,952
+HK$3,095/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,714/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,240
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,668
−HK$1,448/mo
Today · 4.125%
HK$56,116
baseline
▲ 0.50% · 4.625%
HK$59,074
+HK$2,958/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,232/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,428
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,214
−HK$1,815/mo
Today · 4.125%
HK$61,029
baseline
▲ 0.50% · 4.625%
HK$64,742
+HK$3,713/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,058/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,888
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,601
−HK$1,738/mo
Today · 4.125%
HK$67,339
baseline
▲ 0.50% · 4.625%
HK$70,889
+HK$3,550/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,678/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,999
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,083
−HK$2,117/mo
Today · 4.125%
HK$71,200
baseline
▲ 0.50% · 4.625%
HK$75,533
+HK$4,333/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,400/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,536
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,535
−HK$2,027/mo
Today · 4.125%
HK$78,562
baseline
▲ 0.50% · 4.625%
HK$82,704
+HK$4,142/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,124/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,141
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,821
−HK$2,722/mo
Today · 4.125%
HK$91,543
baseline
▲ 0.50% · 4.625%
HK$97,113
+HK$5,570/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,086/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,831
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,402
−HK$2,607/mo
Today · 4.125%
HK$101,009
baseline
▲ 0.50% · 4.625%
HK$106,333
+HK$5,324/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,018/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,726 · Scale 2, in force from 26 Feb 2026)