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$47,987
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,480
−HK$1,516/mo
Today · 4.125%
HK$50,996
baseline
▲ 0.50% · 4.625%
HK$54,099
+HK$3,103/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,992/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,385
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,817
−HK$1,452/mo
Today · 4.125%
HK$56,269
baseline
▲ 0.50% · 4.625%
HK$59,235
+HK$2,966/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,538/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,585
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,376
−HK$1,820/mo
Today · 4.125%
HK$61,196
baseline
▲ 0.50% · 4.625%
HK$64,919
+HK$3,723/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,392/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,062
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,780
−HK$1,743/mo
Today · 4.125%
HK$67,523
baseline
▲ 0.50% · 4.625%
HK$71,083
+HK$3,560/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,046/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,182
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,272
−HK$2,123/mo
Today · 4.125%
HK$71,395
baseline
▲ 0.50% · 4.625%
HK$75,739
+HK$4,344/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,790/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,739
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,744
−HK$2,033/mo
Today · 4.125%
HK$78,777
baseline
▲ 0.50% · 4.625%
HK$82,930
+HK$4,153/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,554/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,377
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,064
−HK$2,729/mo
Today · 4.125%
HK$91,793
baseline
▲ 0.50% · 4.625%
HK$97,379
+HK$5,586/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,586/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,093
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,670
−HK$2,615/mo
Today · 4.125%
HK$101,285
baseline
▲ 0.50% · 4.625%
HK$106,624
+HK$5,339/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,570/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,461 · Scale 2, in force from 26 Feb 2026)