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$47,997
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,490
−HK$1,517/mo
Today · 4.125%
HK$51,007
baseline
▲ 0.50% · 4.625%
HK$54,111
+HK$3,104/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$102,014/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,397
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,829
−HK$1,452/mo
Today · 4.125%
HK$56,281
baseline
▲ 0.50% · 4.625%
HK$59,248
+HK$2,967/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,562/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,597
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,388
−HK$1,821/mo
Today · 4.125%
HK$61,209
baseline
▲ 0.50% · 4.625%
HK$64,933
+HK$3,724/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,418/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,076
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,794
−HK$1,744/mo
Today · 4.125%
HK$67,538
baseline
▲ 0.50% · 4.625%
HK$71,098
+HK$3,560/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,076/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,196
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,287
−HK$2,123/mo
Today · 4.125%
HK$71,410
baseline
▲ 0.50% · 4.625%
HK$75,755
+HK$4,345/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,820/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,755
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,760
−HK$2,034/mo
Today · 4.125%
HK$78,794
baseline
▲ 0.50% · 4.625%
HK$82,947
+HK$4,153/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,588/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,395
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,083
−HK$2,730/mo
Today · 4.125%
HK$91,813
baseline
▲ 0.50% · 4.625%
HK$97,400
+HK$5,587/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,626/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,114
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,692
−HK$2,615/mo
Today · 4.125%
HK$101,307
baseline
▲ 0.50% · 4.625%
HK$106,647
+HK$5,340/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,614/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,912 · Scale 2, in force from 26 Feb 2026)