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$47,967
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,460
−HK$1,515/mo
Today · 4.125%
HK$50,975
baseline
▲ 0.50% · 4.625%
HK$54,077
+HK$3,102/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,950/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,363
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,795
−HK$1,451/mo
Today · 4.125%
HK$56,246
baseline
▲ 0.50% · 4.625%
HK$59,211
+HK$2,965/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,492/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,561
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,351
−HK$1,820/mo
Today · 4.125%
HK$61,171
baseline
▲ 0.50% · 4.625%
HK$64,893
+HK$3,722/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,342/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,036
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,753
−HK$1,743/mo
Today · 4.125%
HK$67,496
baseline
▲ 0.50% · 4.625%
HK$71,053
+HK$3,557/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,992/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,154
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,243
−HK$2,123/mo
Today · 4.125%
HK$71,366
baseline
▲ 0.50% · 4.625%
HK$75,708
+HK$4,342/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,732/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,709
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,712
−HK$2,033/mo
Today · 4.125%
HK$78,745
baseline
▲ 0.50% · 4.625%
HK$82,896
+HK$4,151/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,490/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,341
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$89,027
−HK$2,729/mo
Today · 4.125%
HK$91,756
baseline
▲ 0.50% · 4.625%
HK$97,339
+HK$5,583/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,512/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,054
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,630
−HK$2,614/mo
Today · 4.125%
HK$101,244
baseline
▲ 0.50% · 4.625%
HK$106,580
+HK$5,336/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,488/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,601 · Scale 2, in force from 26 Feb 2026)