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$47,945
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,437
−HK$1,515/mo
Today · 4.125%
HK$50,952
baseline
▲ 0.50% · 4.625%
HK$54,052
+HK$3,100/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,904/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,339
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,769
−HK$1,451/mo
Today · 4.125%
HK$56,220
baseline
▲ 0.50% · 4.625%
HK$59,184
+HK$2,964/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,440/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,534
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,324
−HK$1,818/mo
Today · 4.125%
HK$61,142
baseline
▲ 0.50% · 4.625%
HK$64,863
+HK$3,721/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,284/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,006
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,723
−HK$1,741/mo
Today · 4.125%
HK$67,464
baseline
▲ 0.50% · 4.625%
HK$71,020
+HK$3,556/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,928/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,123
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,211
−HK$2,122/mo
Today · 4.125%
HK$71,333
baseline
▲ 0.50% · 4.625%
HK$75,673
+HK$4,340/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,666/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,674
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,677
−HK$2,031/mo
Today · 4.125%
HK$78,708
baseline
▲ 0.50% · 4.625%
HK$82,857
+HK$4,149/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,416/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,301
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,986
−HK$2,727/mo
Today · 4.125%
HK$91,713
baseline
▲ 0.50% · 4.625%
HK$97,294
+HK$5,581/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,426/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,009
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,584
−HK$2,613/mo
Today · 4.125%
HK$101,197
baseline
▲ 0.50% · 4.625%
HK$106,531
+HK$5,334/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,394/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,624 · Scale 2, in force from 26 Feb 2026)