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$47,963
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,455
−HK$1,515/mo
Today · 4.125%
HK$50,970
baseline
▲ 0.50% · 4.625%
HK$54,072
+HK$3,102/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,940/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,358
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,789
−HK$1,452/mo
Today · 4.125%
HK$56,241
baseline
▲ 0.50% · 4.625%
HK$59,205
+HK$2,964/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,482/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,555
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,346
−HK$1,819/mo
Today · 4.125%
HK$61,165
baseline
▲ 0.50% · 4.625%
HK$64,886
+HK$3,721/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,330/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,030
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,747
−HK$1,742/mo
Today · 4.125%
HK$67,489
baseline
▲ 0.50% · 4.625%
HK$71,047
+HK$3,558/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,978/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,148
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,237
−HK$2,122/mo
Today · 4.125%
HK$71,359
baseline
▲ 0.50% · 4.625%
HK$75,701
+HK$4,342/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,718/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,701
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,705
−HK$2,032/mo
Today · 4.125%
HK$78,737
baseline
▲ 0.50% · 4.625%
HK$82,888
+HK$4,151/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,474/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,333
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,019
−HK$2,728/mo
Today · 4.125%
HK$91,747
baseline
▲ 0.50% · 4.625%
HK$97,329
+HK$5,582/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,494/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,045
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,621
−HK$2,613/mo
Today · 4.125%
HK$101,234
baseline
▲ 0.50% · 4.625%
HK$106,570
+HK$5,336/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,468/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,396 · Scale 2, in force from 26 Feb 2026)