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$47,984
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,476
−HK$1,517/mo
Today · 4.125%
HK$50,993
baseline
▲ 0.50% · 4.625%
HK$54,095
+HK$3,102/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,986/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,381
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,813
−HK$1,452/mo
Today · 4.125%
HK$56,265
baseline
▲ 0.50% · 4.625%
HK$59,231
+HK$2,966/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,530/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,580
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,371
−HK$1,820/mo
Today · 4.125%
HK$61,191
baseline
▲ 0.50% · 4.625%
HK$64,914
+HK$3,723/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,382/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,058
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,776
−HK$1,742/mo
Today · 4.125%
HK$67,518
baseline
▲ 0.50% · 4.625%
HK$71,077
+HK$3,559/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,036/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,177
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,267
−HK$2,123/mo
Today · 4.125%
HK$71,390
baseline
▲ 0.50% · 4.625%
HK$75,734
+HK$4,344/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,780/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,734
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,738
−HK$2,033/mo
Today · 4.125%
HK$78,771
baseline
▲ 0.50% · 4.625%
HK$82,924
+HK$4,153/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,542/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,370
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,057
−HK$2,730/mo
Today · 4.125%
HK$91,787
baseline
▲ 0.50% · 4.625%
HK$97,372
+HK$5,585/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,574/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,086
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,663
−HK$2,615/mo
Today · 4.125%
HK$101,278
baseline
▲ 0.50% · 4.625%
HK$106,616
+HK$5,338/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,556/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,308 · Scale 2, in force from 26 Feb 2026)