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$47,985
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,478
−HK$1,516/mo
Today · 4.125%
HK$50,994
baseline
▲ 0.50% · 4.625%
HK$54,097
+HK$3,103/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,988/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,383
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,815
−HK$1,452/mo
Today · 4.125%
HK$56,267
baseline
▲ 0.50% · 4.625%
HK$59,233
+HK$2,966/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,534/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,582
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,373
−HK$1,820/mo
Today · 4.125%
HK$61,193
baseline
▲ 0.50% · 4.625%
HK$64,916
+HK$3,723/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,386/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,059
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,778
−HK$1,742/mo
Today · 4.125%
HK$67,520
baseline
▲ 0.50% · 4.625%
HK$71,080
+HK$3,560/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,040/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,179
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,269
−HK$2,123/mo
Today · 4.125%
HK$71,392
baseline
▲ 0.50% · 4.625%
HK$75,736
+HK$4,344/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,784/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,736
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,740
−HK$2,034/mo
Today · 4.125%
HK$78,774
baseline
▲ 0.50% · 4.625%
HK$82,926
+HK$4,152/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,548/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,373
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,060
−HK$2,729/mo
Today · 4.125%
HK$91,789
baseline
▲ 0.50% · 4.625%
HK$97,375
+HK$5,586/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,578/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,089
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,666
−HK$2,615/mo
Today · 4.125%
HK$101,281
baseline
▲ 0.50% · 4.625%
HK$106,619
+HK$5,338/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,562/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,372 · Scale 2, in force from 26 Feb 2026)