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$47,926
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,417
−HK$1,514/mo
Today · 4.125%
HK$50,931
baseline
▲ 0.50% · 4.625%
HK$54,030
+HK$3,099/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,862/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,317
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,747
−HK$1,451/mo
Today · 4.125%
HK$56,198
baseline
▲ 0.50% · 4.625%
HK$59,160
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,396/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,511
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,300
−HK$1,818/mo
Today · 4.125%
HK$61,118
baseline
▲ 0.50% · 4.625%
HK$64,837
+HK$3,719/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,236/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,981
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,697
−HK$1,740/mo
Today · 4.125%
HK$67,437
baseline
▲ 0.50% · 4.625%
HK$70,992
+HK$3,555/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,874/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,096
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,184
−HK$2,120/mo
Today · 4.125%
HK$71,304
baseline
▲ 0.50% · 4.625%
HK$75,643
+HK$4,339/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$142,608/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,644
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,646
−HK$2,031/mo
Today · 4.125%
HK$78,677
baseline
▲ 0.50% · 4.625%
HK$82,824
+HK$4,147/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$157,354/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,267
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,950
−HK$2,727/mo
Today · 4.125%
HK$91,677
baseline
▲ 0.50% · 4.625%
HK$97,255
+HK$5,578/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,354/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,971
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,545
−HK$2,611/mo
Today · 4.125%
HK$101,156
baseline
▲ 0.50% · 4.625%
HK$106,488
+HK$5,332/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,312/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,784 · Scale 2, in force from 26 Feb 2026)