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$47,909
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,399
−HK$1,514/mo
Today · 4.125%
HK$50,913
baseline
▲ 0.50% · 4.625%
HK$54,011
+HK$3,098/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,826/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,298
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,727
−HK$1,450/mo
Today · 4.125%
HK$56,177
baseline
▲ 0.50% · 4.625%
HK$59,139
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,354/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,490
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,279
−HK$1,817/mo
Today · 4.125%
HK$61,096
baseline
▲ 0.50% · 4.625%
HK$64,813
+HK$3,717/mo
Deposit HK$8.40M · loan HK$12.61M · min. income ≈ HK$122,192/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,957
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,673
−HK$1,740/mo
Today · 4.125%
HK$67,413
baseline
▲ 0.50% · 4.625%
HK$70,966
+HK$3,553/mo
Deposit HK$8.40M · loan HK$12.61M · min. income ≈ HK$134,826/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,072
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,158
−HK$2,120/mo
Today · 4.125%
HK$71,278
baseline
▲ 0.50% · 4.625%
HK$75,615
+HK$4,337/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$142,556/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$851,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,617
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,618
−HK$2,030/mo
Today · 4.125%
HK$78,648
baseline
▲ 0.50% · 4.625%
HK$82,794
+HK$4,146/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$157,296/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$851,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,236
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,918
−HK$2,725/mo
Today · 4.125%
HK$91,643
baseline
▲ 0.50% · 4.625%
HK$97,220
+HK$5,577/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$183,286/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,936
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,509
−HK$2,610/mo
Today · 4.125%
HK$101,119
baseline
▲ 0.50% · 4.625%
HK$106,449
+HK$5,330/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$202,238/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,020 · Scale 2, in force from 26 Feb 2026)