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$47,937
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,428
−HK$1,515/mo
Today · 4.125%
HK$50,943
baseline
▲ 0.50% · 4.625%
HK$54,043
+HK$3,100/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,886/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$852,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,329
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,760
−HK$1,451/mo
Today · 4.125%
HK$56,211
baseline
▲ 0.50% · 4.625%
HK$59,174
+HK$2,963/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,422/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$852,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,524
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,314
−HK$1,818/mo
Today · 4.125%
HK$61,132
baseline
▲ 0.50% · 4.625%
HK$64,851
+HK$3,719/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,264/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,995
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,712
−HK$1,741/mo
Today · 4.125%
HK$67,453
baseline
▲ 0.50% · 4.625%
HK$71,008
+HK$3,555/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,906/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,112
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,199
−HK$2,121/mo
Today · 4.125%
HK$71,320
baseline
▲ 0.50% · 4.625%
HK$75,660
+HK$4,340/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,640/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,661
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,663
−HK$2,032/mo
Today · 4.125%
HK$78,695
baseline
▲ 0.50% · 4.625%
HK$82,843
+HK$4,148/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,390/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,286
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,970
−HK$2,727/mo
Today · 4.125%
HK$91,697
baseline
▲ 0.50% · 4.625%
HK$97,277
+HK$5,580/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,394/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$852,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,993
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,567
−HK$2,612/mo
Today · 4.125%
HK$101,179
baseline
▲ 0.50% · 4.625%
HK$106,512
+HK$5,333/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,358/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$852,261 · Scale 2, in force from 26 Feb 2026)