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$47,925
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,416
−HK$1,515/mo
Today · 4.125%
HK$50,931
baseline
▲ 0.50% · 4.625%
HK$54,030
+HK$3,099/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,862/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,316
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,746
−HK$1,451/mo
Today · 4.125%
HK$56,197
baseline
▲ 0.50% · 4.625%
HK$59,159
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,394/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,510
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,299
−HK$1,818/mo
Today · 4.125%
HK$61,117
baseline
▲ 0.50% · 4.625%
HK$64,835
+HK$3,718/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,234/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,980
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,695
−HK$1,741/mo
Today · 4.125%
HK$67,436
baseline
▲ 0.50% · 4.625%
HK$70,991
+HK$3,555/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,872/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,095
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,182
−HK$2,121/mo
Today · 4.125%
HK$71,303
baseline
▲ 0.50% · 4.625%
HK$75,641
+HK$4,338/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$142,606/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,643
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,645
−HK$2,031/mo
Today · 4.125%
HK$78,676
baseline
▲ 0.50% · 4.625%
HK$82,823
+HK$4,147/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$157,352/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,265
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,949
−HK$2,726/mo
Today · 4.125%
HK$91,675
baseline
▲ 0.50% · 4.625%
HK$97,253
+HK$5,578/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,350/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,969
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,543
−HK$2,611/mo
Today · 4.125%
HK$101,154
baseline
▲ 0.50% · 4.625%
HK$106,486
+HK$5,332/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,308/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,746 · Scale 2, in force from 26 Feb 2026)