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$47,986
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,478
−HK$1,517/mo
Today · 4.125%
HK$50,995
baseline
▲ 0.50% · 4.625%
HK$54,098
+HK$3,103/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,990/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,384
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,815
−HK$1,453/mo
Today · 4.125%
HK$56,268
baseline
▲ 0.50% · 4.625%
HK$59,234
+HK$2,966/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,536/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,583
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,374
−HK$1,820/mo
Today · 4.125%
HK$61,194
baseline
▲ 0.50% · 4.625%
HK$64,917
+HK$3,723/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,388/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,061
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,779
−HK$1,743/mo
Today · 4.125%
HK$67,522
baseline
▲ 0.50% · 4.625%
HK$71,081
+HK$3,559/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,044/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,180
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,270
−HK$2,123/mo
Today · 4.125%
HK$71,393
baseline
▲ 0.50% · 4.625%
HK$75,737
+HK$4,344/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,786/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,737
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,742
−HK$2,033/mo
Today · 4.125%
HK$78,775
baseline
▲ 0.50% · 4.625%
HK$82,927
+HK$4,152/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,550/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,375
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,061
−HK$2,730/mo
Today · 4.125%
HK$91,791
baseline
▲ 0.50% · 4.625%
HK$97,376
+HK$5,585/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,582/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,091
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,668
−HK$2,614/mo
Today · 4.125%
HK$101,282
baseline
▲ 0.50% · 4.625%
HK$106,621
+HK$5,339/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,564/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,406 · Scale 2, in force from 26 Feb 2026)