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$47,949
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,441
−HK$1,515/mo
Today · 4.125%
HK$50,956
baseline
▲ 0.50% · 4.625%
HK$54,057
+HK$3,101/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,912/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,343
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,774
−HK$1,451/mo
Today · 4.125%
HK$56,225
baseline
▲ 0.50% · 4.625%
HK$59,189
+HK$2,964/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,450/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,539
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,329
−HK$1,818/mo
Today · 4.125%
HK$61,147
baseline
▲ 0.50% · 4.625%
HK$64,868
+HK$3,721/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,294/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,012
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,728
−HK$1,742/mo
Today · 4.125%
HK$67,470
baseline
▲ 0.50% · 4.625%
HK$71,026
+HK$3,556/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,940/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,129
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,217
−HK$2,121/mo
Today · 4.125%
HK$71,338
baseline
▲ 0.50% · 4.625%
HK$75,679
+HK$4,341/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,676/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,680
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,683
−HK$2,032/mo
Today · 4.125%
HK$78,715
baseline
▲ 0.50% · 4.625%
HK$82,864
+HK$4,149/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,430/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,308
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$88,993
−HK$2,728/mo
Today · 4.125%
HK$91,721
baseline
▲ 0.50% · 4.625%
HK$97,302
+HK$5,581/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,442/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,017
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,592
−HK$2,613/mo
Today · 4.125%
HK$101,205
baseline
▲ 0.50% · 4.625%
HK$106,539
+HK$5,334/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,410/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,797 · Scale 2, in force from 26 Feb 2026)