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$47,953
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,445
−HK$1,515/mo
Today · 4.125%
HK$50,960
baseline
▲ 0.50% · 4.625%
HK$54,061
+HK$3,101/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,920/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,347
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,778
−HK$1,451/mo
Today · 4.125%
HK$56,229
baseline
▲ 0.50% · 4.625%
HK$59,193
+HK$2,964/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,458/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,544
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,334
−HK$1,818/mo
Today · 4.125%
HK$61,152
baseline
▲ 0.50% · 4.625%
HK$64,873
+HK$3,721/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,304/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,017
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,734
−HK$1,741/mo
Today · 4.125%
HK$67,475
baseline
▲ 0.50% · 4.625%
HK$71,032
+HK$3,557/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,950/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,134
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,223
−HK$2,121/mo
Today · 4.125%
HK$71,344
baseline
▲ 0.50% · 4.625%
HK$75,685
+HK$4,341/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,688/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,686
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,689
−HK$2,032/mo
Today · 4.125%
HK$78,721
baseline
▲ 0.50% · 4.625%
HK$82,871
+HK$4,150/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,442/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,315
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,000
−HK$2,728/mo
Today · 4.125%
HK$91,728
baseline
▲ 0.50% · 4.625%
HK$97,310
+HK$5,582/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,456/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,025
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,600
−HK$2,613/mo
Today · 4.125%
HK$101,213
baseline
▲ 0.50% · 4.625%
HK$106,548
+HK$5,335/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,426/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,968 · Scale 2, in force from 26 Feb 2026)