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$47,916
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,406
−HK$1,515/mo
Today · 4.125%
HK$50,921
baseline
▲ 0.50% · 4.625%
HK$54,019
+HK$3,098/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,842/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,306
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,736
−HK$1,450/mo
Today · 4.125%
HK$56,186
baseline
▲ 0.50% · 4.625%
HK$59,148
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,372/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,499
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,288
−HK$1,817/mo
Today · 4.125%
HK$61,105
baseline
▲ 0.50% · 4.625%
HK$64,823
+HK$3,718/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,210/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,967
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,683
−HK$1,740/mo
Today · 4.125%
HK$67,423
baseline
▲ 0.50% · 4.625%
HK$70,977
+HK$3,554/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,846/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,082
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,169
−HK$2,120/mo
Today · 4.125%
HK$71,289
baseline
▲ 0.50% · 4.625%
HK$75,627
+HK$4,338/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$142,578/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,628
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,630
−HK$2,030/mo
Today · 4.125%
HK$78,660
baseline
▲ 0.50% · 4.625%
HK$82,807
+HK$4,147/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$157,320/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,249
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,931
−HK$2,726/mo
Today · 4.125%
HK$91,657
baseline
▲ 0.50% · 4.625%
HK$97,234
+HK$5,577/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$183,314/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,951
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,524
−HK$2,611/mo
Today · 4.125%
HK$101,135
baseline
▲ 0.50% · 4.625%
HK$106,466
+HK$5,331/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$202,270/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,339 · Scale 2, in force from 26 Feb 2026)