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$47,924
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,414
−HK$1,515/mo
Today · 4.125%
HK$50,929
baseline
▲ 0.50% · 4.625%
HK$54,028
+HK$3,099/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,858/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,314
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,744
−HK$1,451/mo
Today · 4.125%
HK$56,195
baseline
▲ 0.50% · 4.625%
HK$59,157
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,390/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,508
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,297
−HK$1,817/mo
Today · 4.125%
HK$61,114
baseline
▲ 0.50% · 4.625%
HK$64,833
+HK$3,719/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,228/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,977
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,693
−HK$1,741/mo
Today · 4.125%
HK$67,434
baseline
▲ 0.50% · 4.625%
HK$70,988
+HK$3,554/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,868/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,093
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,180
−HK$2,120/mo
Today · 4.125%
HK$71,300
baseline
▲ 0.50% · 4.625%
HK$75,639
+HK$4,339/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$142,600/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,640
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,642
−HK$2,031/mo
Today · 4.125%
HK$78,673
baseline
▲ 0.50% · 4.625%
HK$82,820
+HK$4,147/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$157,346/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,262
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,946
−HK$2,726/mo
Today · 4.125%
HK$91,672
baseline
▲ 0.50% · 4.625%
HK$97,250
+HK$5,578/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,344/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,966
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,540
−HK$2,611/mo
Today · 4.125%
HK$101,151
baseline
▲ 0.50% · 4.625%
HK$106,483
+HK$5,332/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,302/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,673 · Scale 2, in force from 26 Feb 2026)