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$47,947
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,438
−HK$1,516/mo
Today · 4.125%
HK$50,954
baseline
▲ 0.50% · 4.625%
HK$54,054
+HK$3,100/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,908/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,341
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,771
−HK$1,451/mo
Today · 4.125%
HK$56,222
baseline
▲ 0.50% · 4.625%
HK$59,186
+HK$2,964/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,444/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,536
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,326
−HK$1,818/mo
Today · 4.125%
HK$61,144
baseline
▲ 0.50% · 4.625%
HK$64,865
+HK$3,721/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,288/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,009
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,725
−HK$1,742/mo
Today · 4.125%
HK$67,467
baseline
▲ 0.50% · 4.625%
HK$71,023
+HK$3,556/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,934/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,126
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,214
−HK$2,121/mo
Today · 4.125%
HK$71,335
baseline
▲ 0.50% · 4.625%
HK$75,676
+HK$4,341/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,670/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,677
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,680
−HK$2,031/mo
Today · 4.125%
HK$78,711
baseline
▲ 0.50% · 4.625%
HK$82,860
+HK$4,149/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,422/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,305
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,989
−HK$2,728/mo
Today · 4.125%
HK$91,717
baseline
▲ 0.50% · 4.625%
HK$97,297
+HK$5,580/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,434/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,013
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,588
−HK$2,612/mo
Today · 4.125%
HK$101,200
baseline
▲ 0.50% · 4.625%
HK$106,535
+HK$5,335/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,400/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,701 · Scale 2, in force from 26 Feb 2026)