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$47,804
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,291
−HK$1,511/mo
Today · 4.125%
HK$50,802
baseline
▲ 0.50% · 4.625%
HK$53,893
+HK$3,091/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,604/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,182
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,608
−HK$1,447/mo
Today · 4.125%
HK$56,055
baseline
▲ 0.50% · 4.625%
HK$59,010
+HK$2,955/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,110/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,365
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,149
−HK$1,813/mo
Today · 4.125%
HK$60,962
baseline
▲ 0.50% · 4.625%
HK$64,672
+HK$3,710/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,924/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,818
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,530
−HK$1,736/mo
Today · 4.125%
HK$67,266
baseline
▲ 0.50% · 4.625%
HK$70,812
+HK$3,546/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,532/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,926
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,008
−HK$2,115/mo
Today · 4.125%
HK$71,123
baseline
▲ 0.50% · 4.625%
HK$75,450
+HK$4,327/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,246/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,454
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,451
−HK$2,026/mo
Today · 4.125%
HK$78,477
baseline
▲ 0.50% · 4.625%
HK$82,613
+HK$4,136/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$156,954/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,048
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,724
−HK$2,719/mo
Today · 4.125%
HK$91,443
baseline
▲ 0.50% · 4.625%
HK$97,008
+HK$5,565/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,886/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,727
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,294
−HK$2,605/mo
Today · 4.125%
HK$100,899
baseline
▲ 0.50% · 4.625%
HK$106,217
+HK$5,318/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,798/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,439 · Scale 2, in force from 26 Feb 2026)