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$47,845
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,333
−HK$1,512/mo
Today · 4.125%
HK$50,845
baseline
▲ 0.50% · 4.625%
HK$53,939
+HK$3,094/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,690/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,227
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,654
−HK$1,449/mo
Today · 4.125%
HK$56,103
baseline
▲ 0.50% · 4.625%
HK$59,060
+HK$2,957/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,206/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,414
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,200
−HK$1,814/mo
Today · 4.125%
HK$61,014
baseline
▲ 0.50% · 4.625%
HK$64,727
+HK$3,713/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,028/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,872
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,585
−HK$1,738/mo
Today · 4.125%
HK$67,323
baseline
▲ 0.50% · 4.625%
HK$70,872
+HK$3,549/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,646/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,983
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,066
−HK$2,117/mo
Today · 4.125%
HK$71,183
baseline
▲ 0.50% · 4.625%
HK$75,515
+HK$4,332/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$142,366/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,518
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,516
−HK$2,028/mo
Today · 4.125%
HK$78,544
baseline
▲ 0.50% · 4.625%
HK$82,684
+HK$4,140/mo
Deposit HK$6.29M · loan HK$14.69M · min. income ≈ HK$157,088/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,121
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,800
−HK$2,721/mo
Today · 4.125%
HK$91,521
baseline
▲ 0.50% · 4.625%
HK$97,090
+HK$5,569/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$183,042/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,809
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,378
−HK$2,607/mo
Today · 4.125%
HK$100,985
baseline
▲ 0.50% · 4.625%
HK$106,308
+HK$5,323/mo
Deposit HK$2.10M · loan HK$18.88M · min. income ≈ HK$201,970/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,224 · Scale 2, in force from 26 Feb 2026)