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$47,795
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,281
−HK$1,511/mo
Today · 4.125%
HK$50,792
baseline
▲ 0.50% · 4.625%
HK$53,882
+HK$3,090/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,584/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,171
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,597
−HK$1,447/mo
Today · 4.125%
HK$56,044
baseline
▲ 0.50% · 4.625%
HK$58,998
+HK$2,954/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,088/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,353
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,138
−HK$1,812/mo
Today · 4.125%
HK$60,950
baseline
▲ 0.50% · 4.625%
HK$64,659
+HK$3,709/mo
Deposit HK$8.38M · loan HK$12.58M · min. income ≈ HK$121,900/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,805
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,516
−HK$1,736/mo
Today · 4.125%
HK$67,252
baseline
▲ 0.50% · 4.625%
HK$70,797
+HK$3,545/mo
Deposit HK$8.38M · loan HK$12.58M · min. income ≈ HK$134,504/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,912
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,994
−HK$2,114/mo
Today · 4.125%
HK$71,108
baseline
▲ 0.50% · 4.625%
HK$75,435
+HK$4,327/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,216/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$846,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,439
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,436
−HK$2,025/mo
Today · 4.125%
HK$78,461
baseline
▲ 0.50% · 4.625%
HK$82,597
+HK$4,136/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,922/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$846,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,030
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,706
−HK$2,719/mo
Today · 4.125%
HK$91,425
baseline
▲ 0.50% · 4.625%
HK$96,988
+HK$5,563/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,850/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,708
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,275
−HK$2,604/mo
Today · 4.125%
HK$100,879
baseline
▲ 0.50% · 4.625%
HK$106,196
+HK$5,317/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,758/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,018 · Scale 2, in force from 26 Feb 2026)