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$47,957
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,449
−HK$1,515/mo
Today · 4.125%
HK$50,964
baseline
▲ 0.50% · 4.625%
HK$54,065
+HK$3,101/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,928/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,352
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,783
−HK$1,451/mo
Today · 4.125%
HK$56,234
baseline
▲ 0.50% · 4.625%
HK$59,198
+HK$2,964/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,468/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,548
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,338
−HK$1,819/mo
Today · 4.125%
HK$61,157
baseline
▲ 0.50% · 4.625%
HK$64,878
+HK$3,721/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,314/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,022
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,739
−HK$1,742/mo
Today · 4.125%
HK$67,481
baseline
▲ 0.50% · 4.625%
HK$71,038
+HK$3,557/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,962/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,140
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,228
−HK$2,122/mo
Today · 4.125%
HK$71,350
baseline
▲ 0.50% · 4.625%
HK$75,692
+HK$4,342/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,700/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,692
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,696
−HK$2,032/mo
Today · 4.125%
HK$78,728
baseline
▲ 0.50% · 4.625%
HK$82,878
+HK$4,150/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,456/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,323
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,008
−HK$2,728/mo
Today · 4.125%
HK$91,736
baseline
▲ 0.50% · 4.625%
HK$97,318
+HK$5,582/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,472/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,033
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,609
−HK$2,612/mo
Today · 4.125%
HK$101,221
baseline
▲ 0.50% · 4.625%
HK$106,557
+HK$5,336/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,442/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,142 · Scale 2, in force from 26 Feb 2026)