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$47,956
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,448
−HK$1,516/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$853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,351
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,782
−HK$1,451/mo
Today · 4.125%
HK$56,233
baseline
▲ 0.50% · 4.625%
HK$59,197
+HK$2,964/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,466/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,548
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,338
−HK$1,818/mo
Today · 4.125%
HK$61,156
baseline
▲ 0.50% · 4.625%
HK$64,878
+HK$3,722/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,312/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,021
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,738
−HK$1,742/mo
Today · 4.125%
HK$67,480
baseline
▲ 0.50% · 4.625%
HK$71,037
+HK$3,557/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,960/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,139
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,227
−HK$2,122/mo
Today · 4.125%
HK$71,349
baseline
▲ 0.50% · 4.625%
HK$75,690
+HK$4,341/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,698/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,691
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,694
−HK$2,033/mo
Today · 4.125%
HK$78,727
baseline
▲ 0.50% · 4.625%
HK$82,876
+HK$4,149/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,454/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,321
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,006
−HK$2,729/mo
Today · 4.125%
HK$91,735
baseline
▲ 0.50% · 4.625%
HK$97,316
+HK$5,581/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,470/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,032
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,607
−HK$2,613/mo
Today · 4.125%
HK$101,220
baseline
▲ 0.50% · 4.625%
HK$106,555
+HK$5,335/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,440/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,112 · Scale 2, in force from 26 Feb 2026)