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$47,915
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,405
−HK$1,514/mo
Today · 4.125%
HK$50,919
baseline
▲ 0.50% · 4.625%
HK$54,018
+HK$3,099/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,838/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,305
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,734
−HK$1,450/mo
Today · 4.125%
HK$56,184
baseline
▲ 0.50% · 4.625%
HK$59,146
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,368/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,498
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,286
−HK$1,817/mo
Today · 4.125%
HK$61,103
baseline
▲ 0.50% · 4.625%
HK$64,821
+HK$3,718/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,206/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,965
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,681
−HK$1,740/mo
Today · 4.125%
HK$67,421
baseline
▲ 0.50% · 4.625%
HK$70,975
+HK$3,554/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,842/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,080
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,167
−HK$2,120/mo
Today · 4.125%
HK$71,287
baseline
▲ 0.50% · 4.625%
HK$75,625
+HK$4,338/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$142,574/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,626
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,628
−HK$2,030/mo
Today · 4.125%
HK$78,658
baseline
▲ 0.50% · 4.625%
HK$82,804
+HK$4,146/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$157,316/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,246
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,929
−HK$2,726/mo
Today · 4.125%
HK$91,655
baseline
▲ 0.50% · 4.625%
HK$97,232
+HK$5,577/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$183,310/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,948
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,521
−HK$2,611/mo
Today · 4.125%
HK$101,132
baseline
▲ 0.50% · 4.625%
HK$106,463
+HK$5,331/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$202,264/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,283 · Scale 2, in force from 26 Feb 2026)