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$47,992
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,485
−HK$1,517/mo
Today · 4.125%
HK$51,002
baseline
▲ 0.50% · 4.625%
HK$54,105
+HK$3,103/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$102,004/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,391
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,823
−HK$1,453/mo
Today · 4.125%
HK$56,276
baseline
▲ 0.50% · 4.625%
HK$59,242
+HK$2,966/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,552/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,591
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,382
−HK$1,820/mo
Today · 4.125%
HK$61,202
baseline
▲ 0.50% · 4.625%
HK$64,926
+HK$3,724/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,404/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,069
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,788
−HK$1,743/mo
Today · 4.125%
HK$67,531
baseline
▲ 0.50% · 4.625%
HK$71,090
+HK$3,559/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,062/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,189
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,279
−HK$2,124/mo
Today · 4.125%
HK$71,403
baseline
▲ 0.50% · 4.625%
HK$75,747
+HK$4,344/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,806/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,748
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,752
−HK$2,034/mo
Today · 4.125%
HK$78,786
baseline
▲ 0.50% · 4.625%
HK$82,939
+HK$4,153/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,572/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,386
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,073
−HK$2,731/mo
Today · 4.125%
HK$91,804
baseline
▲ 0.50% · 4.625%
HK$97,390
+HK$5,586/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,608/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,104
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,681
−HK$2,615/mo
Today · 4.125%
HK$101,296
baseline
▲ 0.50% · 4.625%
HK$106,636
+HK$5,340/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,592/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,695 · Scale 2, in force from 26 Feb 2026)