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$47,800
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,287
−HK$1,510/mo
Today · 4.125%
HK$50,797
baseline
▲ 0.50% · 4.625%
HK$53,888
+HK$3,091/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,594/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,177
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,603
−HK$1,447/mo
Today · 4.125%
HK$56,050
baseline
▲ 0.50% · 4.625%
HK$59,004
+HK$2,954/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,100/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,360
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,144
−HK$1,813/mo
Today · 4.125%
HK$60,957
baseline
▲ 0.50% · 4.625%
HK$64,666
+HK$3,709/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,914/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,812
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,524
−HK$1,736/mo
Today · 4.125%
HK$67,260
baseline
▲ 0.50% · 4.625%
HK$70,805
+HK$3,545/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,520/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,920
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$69,002
−HK$2,114/mo
Today · 4.125%
HK$71,116
baseline
▲ 0.50% · 4.625%
HK$75,444
+HK$4,328/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,232/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,448
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,444
−HK$2,026/mo
Today · 4.125%
HK$78,470
baseline
▲ 0.50% · 4.625%
HK$82,606
+HK$4,136/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,940/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,040
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,716
−HK$2,719/mo
Today · 4.125%
HK$91,435
baseline
▲ 0.50% · 4.625%
HK$96,999
+HK$5,564/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,870/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,719
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,286
−HK$2,604/mo
Today · 4.125%
HK$100,890
baseline
▲ 0.50% · 4.625%
HK$106,208
+HK$5,318/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,780/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,256 · Scale 2, in force from 26 Feb 2026)