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$47,946
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,438
−HK$1,515/mo
Today · 4.125%
HK$50,953
baseline
▲ 0.50% · 4.625%
HK$54,053
+HK$3,100/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,906/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,340
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,771
−HK$1,451/mo
Today · 4.125%
HK$56,222
baseline
▲ 0.50% · 4.625%
HK$59,185
+HK$2,963/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,444/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,536
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,325
−HK$1,819/mo
Today · 4.125%
HK$61,144
baseline
▲ 0.50% · 4.625%
HK$64,864
+HK$3,720/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,288/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,008
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,725
−HK$1,741/mo
Today · 4.125%
HK$67,466
baseline
▲ 0.50% · 4.625%
HK$71,022
+HK$3,556/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,932/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,125
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,213
−HK$2,121/mo
Today · 4.125%
HK$71,334
baseline
▲ 0.50% · 4.625%
HK$75,675
+HK$4,341/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,668/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,676
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,679
−HK$2,031/mo
Today · 4.125%
HK$78,710
baseline
▲ 0.50% · 4.625%
HK$82,859
+HK$4,149/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,420/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,304
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,988
−HK$2,728/mo
Today · 4.125%
HK$91,716
baseline
▲ 0.50% · 4.625%
HK$97,296
+HK$5,580/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,432/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,012
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,587
−HK$2,612/mo
Today · 4.125%
HK$101,199
baseline
▲ 0.50% · 4.625%
HK$106,533
+HK$5,334/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,398/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,679 · Scale 2, in force from 26 Feb 2026)