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$47,922
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,412
−HK$1,515/mo
Today · 4.125%
HK$50,927
baseline
▲ 0.50% · 4.625%
HK$54,025
+HK$3,098/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,854/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,312
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,742
−HK$1,451/mo
Today · 4.125%
HK$56,193
baseline
▲ 0.50% · 4.625%
HK$59,155
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,386/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,506
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,295
−HK$1,817/mo
Today · 4.125%
HK$61,112
baseline
▲ 0.50% · 4.625%
HK$64,831
+HK$3,719/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,224/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,975
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,690
−HK$1,741/mo
Today · 4.125%
HK$67,431
baseline
▲ 0.50% · 4.625%
HK$70,985
+HK$3,554/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,862/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,090
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,177
−HK$2,120/mo
Today · 4.125%
HK$71,297
baseline
▲ 0.50% · 4.625%
HK$75,636
+HK$4,339/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$142,594/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,637
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,639
−HK$2,031/mo
Today · 4.125%
HK$78,670
baseline
▲ 0.50% · 4.625%
HK$82,816
+HK$4,146/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$157,340/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,259
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,942
−HK$2,726/mo
Today · 4.125%
HK$91,668
baseline
▲ 0.50% · 4.625%
HK$97,246
+HK$5,578/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$183,336/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,962
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,536
−HK$2,611/mo
Today · 4.125%
HK$101,147
baseline
▲ 0.50% · 4.625%
HK$106,478
+HK$5,331/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$202,294/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,587 · Scale 2, in force from 26 Feb 2026)