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$47,912
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,402
−HK$1,514/mo
Today · 4.125%
HK$50,916
baseline
▲ 0.50% · 4.625%
HK$54,014
+HK$3,098/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,832/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,301
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,731
−HK$1,450/mo
Today · 4.125%
HK$56,181
baseline
▲ 0.50% · 4.625%
HK$59,142
+HK$2,961/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,362/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,494
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,282
−HK$1,817/mo
Today · 4.125%
HK$61,099
baseline
▲ 0.50% · 4.625%
HK$64,817
+HK$3,718/mo
Deposit HK$8.40M · loan HK$12.61M · min. income ≈ HK$122,198/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,961
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,677
−HK$1,740/mo
Today · 4.125%
HK$67,417
baseline
▲ 0.50% · 4.625%
HK$70,971
+HK$3,554/mo
Deposit HK$8.40M · loan HK$12.61M · min. income ≈ HK$134,834/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,076
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,163
−HK$2,119/mo
Today · 4.125%
HK$71,282
baseline
▲ 0.50% · 4.625%
HK$75,620
+HK$4,338/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$142,564/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$851,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,622
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,623
−HK$2,030/mo
Today · 4.125%
HK$78,653
baseline
▲ 0.50% · 4.625%
HK$82,799
+HK$4,146/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$157,306/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$851,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,241
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,923
−HK$2,726/mo
Today · 4.125%
HK$91,649
baseline
▲ 0.50% · 4.625%
HK$97,226
+HK$5,577/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$183,298/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,942
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,515
−HK$2,611/mo
Today · 4.125%
HK$101,126
baseline
▲ 0.50% · 4.625%
HK$106,456
+HK$5,330/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$202,252/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,149 · Scale 2, in force from 26 Feb 2026)