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$47,932
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,423
−HK$1,514/mo
Today · 4.125%
HK$50,937
baseline
▲ 0.50% · 4.625%
HK$54,037
+HK$3,100/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,874/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$852,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,324
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,754
−HK$1,450/mo
Today · 4.125%
HK$56,204
baseline
▲ 0.50% · 4.625%
HK$59,167
+HK$2,963/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,408/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$852,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,518
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,307
−HK$1,818/mo
Today · 4.125%
HK$61,125
baseline
▲ 0.50% · 4.625%
HK$64,844
+HK$3,719/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,250/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,988
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,704
−HK$1,741/mo
Today · 4.125%
HK$67,445
baseline
▲ 0.50% · 4.625%
HK$71,000
+HK$3,555/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,890/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,104
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,192
−HK$2,120/mo
Today · 4.125%
HK$71,312
baseline
▲ 0.50% · 4.625%
HK$75,652
+HK$4,340/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$142,624/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,653
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,655
−HK$2,031/mo
Today · 4.125%
HK$78,686
baseline
▲ 0.50% · 4.625%
HK$82,834
+HK$4,148/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$157,372/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,277
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,961
−HK$2,726/mo
Today · 4.125%
HK$91,687
baseline
▲ 0.50% · 4.625%
HK$97,266
+HK$5,579/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,374/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$852,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,982
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,557
−HK$2,611/mo
Today · 4.125%
HK$101,168
baseline
▲ 0.50% · 4.625%
HK$106,501
+HK$5,333/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,336/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$852,032 · Scale 2, in force from 26 Feb 2026)