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$47,994
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,487
−HK$1,517/mo
Today · 4.125%
HK$51,004
baseline
▲ 0.50% · 4.625%
HK$54,107
+HK$3,103/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$102,008/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,393
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,825
−HK$1,453/mo
Today · 4.125%
HK$56,278
baseline
▲ 0.50% · 4.625%
HK$59,244
+HK$2,966/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,556/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,593
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,384
−HK$1,821/mo
Today · 4.125%
HK$61,205
baseline
▲ 0.50% · 4.625%
HK$64,929
+HK$3,724/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,410/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,072
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,790
−HK$1,743/mo
Today · 4.125%
HK$67,533
baseline
▲ 0.50% · 4.625%
HK$71,093
+HK$3,560/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,066/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,192
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,282
−HK$2,123/mo
Today · 4.125%
HK$71,405
baseline
▲ 0.50% · 4.625%
HK$75,750
+HK$4,345/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,810/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,750
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,755
−HK$2,034/mo
Today · 4.125%
HK$78,789
baseline
▲ 0.50% · 4.625%
HK$82,942
+HK$4,153/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,578/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,389
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,077
−HK$2,730/mo
Today · 4.125%
HK$91,807
baseline
▲ 0.50% · 4.625%
HK$97,393
+HK$5,586/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,614/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,107
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,685
−HK$2,615/mo
Today · 4.125%
HK$101,300
baseline
▲ 0.50% · 4.625%
HK$106,639
+HK$5,339/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,600/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,770 · Scale 2, in force from 26 Feb 2026)