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$47,930
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,421
−HK$1,515/mo
Today · 4.125%
HK$50,936
baseline
▲ 0.50% · 4.625%
HK$54,035
+HK$3,099/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,872/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,322
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,752
−HK$1,450/mo
Today · 4.125%
HK$56,202
baseline
▲ 0.50% · 4.625%
HK$59,165
+HK$2,963/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,404/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,516
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,305
−HK$1,818/mo
Today · 4.125%
HK$61,123
baseline
▲ 0.50% · 4.625%
HK$64,842
+HK$3,719/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,246/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,986
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,702
−HK$1,741/mo
Today · 4.125%
HK$67,443
baseline
▲ 0.50% · 4.625%
HK$70,998
+HK$3,555/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,886/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,102
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,189
−HK$2,121/mo
Today · 4.125%
HK$71,310
baseline
▲ 0.50% · 4.625%
HK$75,649
+HK$4,339/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$142,620/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,650
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,652
−HK$2,031/mo
Today · 4.125%
HK$78,683
baseline
▲ 0.50% · 4.625%
HK$82,831
+HK$4,148/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$157,366/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,274
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,958
−HK$2,726/mo
Today · 4.125%
HK$91,684
baseline
▲ 0.50% · 4.625%
HK$97,263
+HK$5,579/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,368/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,979
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,553
−HK$2,611/mo
Today · 4.125%
HK$101,164
baseline
▲ 0.50% · 4.625%
HK$106,497
+HK$5,333/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,328/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,956 · Scale 2, in force from 26 Feb 2026)