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$47,854
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,342
−HK$1,513/mo
Today · 4.125%
HK$50,855
baseline
▲ 0.50% · 4.625%
HK$53,949
+HK$3,094/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,710/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,237
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,665
−HK$1,448/mo
Today · 4.125%
HK$56,113
baseline
▲ 0.50% · 4.625%
HK$59,071
+HK$2,958/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,226/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,425
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,211
−HK$1,815/mo
Today · 4.125%
HK$61,026
baseline
▲ 0.50% · 4.625%
HK$64,739
+HK$3,713/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,052/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,884
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,598
−HK$1,738/mo
Today · 4.125%
HK$67,336
baseline
▲ 0.50% · 4.625%
HK$70,885
+HK$3,549/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,672/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,996
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,079
−HK$2,118/mo
Today · 4.125%
HK$71,197
baseline
▲ 0.50% · 4.625%
HK$75,529
+HK$4,332/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,394/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,532
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,531
−HK$2,028/mo
Today · 4.125%
HK$78,559
baseline
▲ 0.50% · 4.625%
HK$82,700
+HK$4,141/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,118/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,137
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,816
−HK$2,723/mo
Today · 4.125%
HK$91,539
baseline
▲ 0.50% · 4.625%
HK$97,109
+HK$5,570/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,078/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,827
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,397
−HK$2,607/mo
Today · 4.125%
HK$101,004
baseline
▲ 0.50% · 4.625%
HK$106,328
+HK$5,324/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,008/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,623 · Scale 2, in force from 26 Feb 2026)