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$47,991
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,484
−HK$1,517/mo
Today · 4.125%
HK$51,001
baseline
▲ 0.50% · 4.625%
HK$54,104
+HK$3,103/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$102,002/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,390
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,821
−HK$1,453/mo
Today · 4.125%
HK$56,274
baseline
▲ 0.50% · 4.625%
HK$59,240
+HK$2,966/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,548/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,589
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,381
−HK$1,820/mo
Today · 4.125%
HK$61,201
baseline
▲ 0.50% · 4.625%
HK$64,925
+HK$3,724/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,402/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,067
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,786
−HK$1,743/mo
Today · 4.125%
HK$67,529
baseline
▲ 0.50% · 4.625%
HK$71,088
+HK$3,559/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,058/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,187
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,277
−HK$2,124/mo
Today · 4.125%
HK$71,401
baseline
▲ 0.50% · 4.625%
HK$75,745
+HK$4,344/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,802/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,745
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,750
−HK$2,034/mo
Today · 4.125%
HK$78,784
baseline
▲ 0.50% · 4.625%
HK$82,936
+HK$4,152/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,568/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,384
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,071
−HK$2,730/mo
Today · 4.125%
HK$91,801
baseline
▲ 0.50% · 4.625%
HK$97,387
+HK$5,586/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,602/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,101
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,679
−HK$2,614/mo
Today · 4.125%
HK$101,293
baseline
▲ 0.50% · 4.625%
HK$106,633
+HK$5,340/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,586/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,635 · Scale 2, in force from 26 Feb 2026)