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$47,994
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,487
−HK$1,516/mo
Today · 4.125%
HK$51,003
baseline
▲ 0.50% · 4.625%
HK$54,107
+HK$3,104/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$102,006/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,393
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,825
−HK$1,452/mo
Today · 4.125%
HK$56,277
baseline
▲ 0.50% · 4.625%
HK$59,244
+HK$2,967/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,554/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,593
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,384
−HK$1,820/mo
Today · 4.125%
HK$61,204
baseline
▲ 0.50% · 4.625%
HK$64,928
+HK$3,724/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,408/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,071
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,790
−HK$1,743/mo
Today · 4.125%
HK$67,533
baseline
▲ 0.50% · 4.625%
HK$71,092
+HK$3,559/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,066/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,191
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,281
−HK$2,124/mo
Today · 4.125%
HK$71,405
baseline
▲ 0.50% · 4.625%
HK$75,750
+HK$4,345/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,810/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,750
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,754
−HK$2,034/mo
Today · 4.125%
HK$78,788
baseline
▲ 0.50% · 4.625%
HK$82,941
+HK$4,153/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,576/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,389
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,076
−HK$2,730/mo
Today · 4.125%
HK$91,806
baseline
▲ 0.50% · 4.625%
HK$97,392
+HK$5,586/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,612/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,107
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,684
−HK$2,615/mo
Today · 4.125%
HK$101,299
baseline
▲ 0.50% · 4.625%
HK$106,639
+HK$5,340/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,598/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,756 · Scale 2, in force from 26 Feb 2026)