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$47,960
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,452
−HK$1,515/mo
Today · 4.125%
HK$50,967
baseline
▲ 0.50% · 4.625%
HK$54,068
+HK$3,101/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,934/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,355
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,786
−HK$1,451/mo
Today · 4.125%
HK$56,237
baseline
▲ 0.50% · 4.625%
HK$59,202
+HK$2,965/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,474/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,552
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,342
−HK$1,819/mo
Today · 4.125%
HK$61,161
baseline
▲ 0.50% · 4.625%
HK$64,882
+HK$3,721/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,322/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,026
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,743
−HK$1,742/mo
Today · 4.125%
HK$67,485
baseline
▲ 0.50% · 4.625%
HK$71,042
+HK$3,557/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,970/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,144
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,232
−HK$2,122/mo
Today · 4.125%
HK$71,354
baseline
▲ 0.50% · 4.625%
HK$75,696
+HK$4,342/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,708/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,697
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,700
−HK$2,032/mo
Today · 4.125%
HK$78,732
baseline
▲ 0.50% · 4.625%
HK$82,882
+HK$4,150/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,464/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,328
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,013
−HK$2,728/mo
Today · 4.125%
HK$91,741
baseline
▲ 0.50% · 4.625%
HK$97,323
+HK$5,582/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,482/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,039
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,614
−HK$2,613/mo
Today · 4.125%
HK$101,227
baseline
▲ 0.50% · 4.625%
HK$106,563
+HK$5,336/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,454/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,261 · Scale 2, in force from 26 Feb 2026)