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$47,972
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,464
−HK$1,516/mo
Today · 4.125%
HK$50,980
baseline
▲ 0.50% · 4.625%
HK$54,083
+HK$3,103/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,960/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,369
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,800
−HK$1,452/mo
Today · 4.125%
HK$56,252
baseline
▲ 0.50% · 4.625%
HK$59,217
+HK$2,965/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,504/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,567
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,357
−HK$1,820/mo
Today · 4.125%
HK$61,177
baseline
▲ 0.50% · 4.625%
HK$64,899
+HK$3,722/mo
Deposit HK$8.42M · loan HK$12.62M · min. income ≈ HK$122,354/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,042
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,760
−HK$1,742/mo
Today · 4.125%
HK$67,502
baseline
▲ 0.50% · 4.625%
HK$71,060
+HK$3,558/mo
Deposit HK$8.42M · loan HK$12.62M · min. income ≈ HK$135,004/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,161
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,250
−HK$2,123/mo
Today · 4.125%
HK$71,373
baseline
▲ 0.50% · 4.625%
HK$75,716
+HK$4,343/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,746/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$853,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,716
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,720
−HK$2,033/mo
Today · 4.125%
HK$78,753
baseline
▲ 0.50% · 4.625%
HK$82,904
+HK$4,151/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,506/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$853,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,350
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$89,036
−HK$2,729/mo
Today · 4.125%
HK$91,765
baseline
▲ 0.50% · 4.625%
HK$97,349
+HK$5,584/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,530/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,063
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,640
−HK$2,614/mo
Today · 4.125%
HK$101,254
baseline
▲ 0.50% · 4.625%
HK$106,591
+HK$5,337/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,508/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,808 · Scale 2, in force from 26 Feb 2026)