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$47,969
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,461
−HK$1,516/mo
Today · 4.125%
HK$50,977
baseline
▲ 0.50% · 4.625%
HK$54,079
+HK$3,102/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,954/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,365
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,796
−HK$1,452/mo
Today · 4.125%
HK$56,248
baseline
▲ 0.50% · 4.625%
HK$59,213
+HK$2,965/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,496/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,562
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,353
−HK$1,819/mo
Today · 4.125%
HK$61,172
baseline
▲ 0.50% · 4.625%
HK$64,894
+HK$3,722/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,344/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,038
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,755
−HK$1,742/mo
Today · 4.125%
HK$67,497
baseline
▲ 0.50% · 4.625%
HK$71,055
+HK$3,558/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,994/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,156
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,245
−HK$2,122/mo
Today · 4.125%
HK$71,367
baseline
▲ 0.50% · 4.625%
HK$75,710
+HK$4,343/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,734/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,710
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,714
−HK$2,033/mo
Today · 4.125%
HK$78,747
baseline
▲ 0.50% · 4.625%
HK$82,898
+HK$4,151/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,494/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,344
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,029
−HK$2,729/mo
Today · 4.125%
HK$91,758
baseline
▲ 0.50% · 4.625%
HK$97,341
+HK$5,583/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,516/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,056
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,633
−HK$2,613/mo
Today · 4.125%
HK$101,246
baseline
▲ 0.50% · 4.625%
HK$106,583
+HK$5,337/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,492/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,651 · Scale 2, in force from 26 Feb 2026)