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$47,944
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,435
−HK$1,515/mo
Today · 4.125%
HK$50,950
baseline
▲ 0.50% · 4.625%
HK$54,051
+HK$3,101/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,900/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,337
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,767
−HK$1,452/mo
Today · 4.125%
HK$56,219
baseline
▲ 0.50% · 4.625%
HK$59,182
+HK$2,963/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,438/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,533
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,322
−HK$1,818/mo
Today · 4.125%
HK$61,140
baseline
▲ 0.50% · 4.625%
HK$64,861
+HK$3,721/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,280/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,004
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,721
−HK$1,741/mo
Today · 4.125%
HK$67,462
baseline
▲ 0.50% · 4.625%
HK$71,018
+HK$3,556/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,924/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,121
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,209
−HK$2,121/mo
Today · 4.125%
HK$71,330
baseline
▲ 0.50% · 4.625%
HK$75,671
+HK$4,341/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,660/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,672
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,674
−HK$2,032/mo
Today · 4.125%
HK$78,706
baseline
▲ 0.50% · 4.625%
HK$82,855
+HK$4,149/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,412/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,299
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,983
−HK$2,728/mo
Today · 4.125%
HK$91,711
baseline
▲ 0.50% · 4.625%
HK$97,291
+HK$5,580/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,422/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,007
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,581
−HK$2,613/mo
Today · 4.125%
HK$101,194
baseline
▲ 0.50% · 4.625%
HK$106,528
+HK$5,334/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,388/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,563 · Scale 2, in force from 26 Feb 2026)