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$47,910
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,401
−HK$1,514/mo
Today · 4.125%
HK$50,915
baseline
▲ 0.50% · 4.625%
HK$54,013
+HK$3,098/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,830/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,300
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,729
−HK$1,450/mo
Today · 4.125%
HK$56,179
baseline
▲ 0.50% · 4.625%
HK$59,141
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,358/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,493
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,281
−HK$1,817/mo
Today · 4.125%
HK$61,098
baseline
▲ 0.50% · 4.625%
HK$64,815
+HK$3,717/mo
Deposit HK$8.40M · loan HK$12.61M · min. income ≈ HK$122,196/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,960
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,675
−HK$1,740/mo
Today · 4.125%
HK$67,415
baseline
▲ 0.50% · 4.625%
HK$70,969
+HK$3,554/mo
Deposit HK$8.40M · loan HK$12.61M · min. income ≈ HK$134,830/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,075
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,161
−HK$2,120/mo
Today · 4.125%
HK$71,281
baseline
▲ 0.50% · 4.625%
HK$75,618
+HK$4,337/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$142,562/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$851,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,620
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,621
−HK$2,030/mo
Today · 4.125%
HK$78,651
baseline
▲ 0.50% · 4.625%
HK$82,797
+HK$4,146/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$157,302/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$851,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,239
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,921
−HK$2,726/mo
Today · 4.125%
HK$91,647
baseline
▲ 0.50% · 4.625%
HK$97,223
+HK$5,576/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$183,294/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,940
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,513
−HK$2,610/mo
Today · 4.125%
HK$101,123
baseline
▲ 0.50% · 4.625%
HK$106,453
+HK$5,330/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$202,246/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,098 · Scale 2, in force from 26 Feb 2026)