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$47,931
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,422
−HK$1,514/mo
Today · 4.125%
HK$50,936
baseline
▲ 0.50% · 4.625%
HK$54,036
+HK$3,100/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,872/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,323
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,753
−HK$1,450/mo
Today · 4.125%
HK$56,203
baseline
▲ 0.50% · 4.625%
HK$59,166
+HK$2,963/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,406/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,517
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,306
−HK$1,818/mo
Today · 4.125%
HK$61,124
baseline
▲ 0.50% · 4.625%
HK$64,843
+HK$3,719/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,248/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,987
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,703
−HK$1,741/mo
Today · 4.125%
HK$67,444
baseline
▲ 0.50% · 4.625%
HK$70,999
+HK$3,555/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,888/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,103
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,190
−HK$2,121/mo
Today · 4.125%
HK$71,311
baseline
▲ 0.50% · 4.625%
HK$75,650
+HK$4,339/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$142,622/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,652
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,654
−HK$2,031/mo
Today · 4.125%
HK$78,685
baseline
▲ 0.50% · 4.625%
HK$82,832
+HK$4,147/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$157,370/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,275
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,959
−HK$2,727/mo
Today · 4.125%
HK$91,686
baseline
▲ 0.50% · 4.625%
HK$97,264
+HK$5,578/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,372/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,981
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,555
−HK$2,611/mo
Today · 4.125%
HK$101,166
baseline
▲ 0.50% · 4.625%
HK$106,499
+HK$5,333/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,332/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,991 · Scale 2, in force from 26 Feb 2026)