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$47,857
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,345
−HK$1,513/mo
Today · 4.125%
HK$50,858
baseline
▲ 0.50% · 4.625%
HK$53,952
+HK$3,094/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$101,716/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,240
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,668
−HK$1,449/mo
Today · 4.125%
HK$56,117
baseline
▲ 0.50% · 4.625%
HK$59,075
+HK$2,958/mo
Deposit HK$10.49M · loan HK$10.49M · min. income ≈ HK$112,234/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$848,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,428
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$59,215
−HK$1,814/mo
Today · 4.125%
HK$61,029
baseline
▲ 0.50% · 4.625%
HK$64,743
+HK$3,714/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$122,058/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,888
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$65,602
−HK$1,738/mo
Today · 4.125%
HK$67,340
baseline
▲ 0.50% · 4.625%
HK$70,890
+HK$3,550/mo
Deposit HK$8.39M · loan HK$12.59M · min. income ≈ HK$134,680/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$848,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,000
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,084
−HK$2,117/mo
Today · 4.125%
HK$71,201
baseline
▲ 0.50% · 4.625%
HK$75,533
+HK$4,332/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$142,402/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,536
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,535
−HK$2,028/mo
Today · 4.125%
HK$78,563
baseline
▲ 0.50% · 4.625%
HK$82,704
+HK$4,141/mo
Deposit HK$6.30M · loan HK$14.69M · min. income ≈ HK$157,126/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$848,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,142
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,822
−HK$2,722/mo
Today · 4.125%
HK$91,544
baseline
▲ 0.50% · 4.625%
HK$97,114
+HK$5,570/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$183,088/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,832
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,403
−HK$2,607/mo
Today · 4.125%
HK$101,010
baseline
▲ 0.50% · 4.625%
HK$106,334
+HK$5,324/mo
Deposit HK$2.10M · loan HK$18.89M · min. income ≈ HK$202,020/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$848,748 · Scale 2, in force from 26 Feb 2026)