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$47,980
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,473
−HK$1,516/mo
Today · 4.125%
HK$50,989
baseline
▲ 0.50% · 4.625%
HK$54,092
+HK$3,103/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,978/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,378
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,809
−HK$1,453/mo
Today · 4.125%
HK$56,262
baseline
▲ 0.50% · 4.625%
HK$59,227
+HK$2,965/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,524/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,577
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,367
−HK$1,820/mo
Today · 4.125%
HK$61,187
baseline
▲ 0.50% · 4.625%
HK$64,910
+HK$3,723/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,374/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,053
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,771
−HK$1,743/mo
Today · 4.125%
HK$67,514
baseline
▲ 0.50% · 4.625%
HK$71,073
+HK$3,559/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,028/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,173
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,262
−HK$2,123/mo
Today · 4.125%
HK$71,385
baseline
▲ 0.50% · 4.625%
HK$75,729
+HK$4,344/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,770/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,729
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,733
−HK$2,033/mo
Today · 4.125%
HK$78,766
baseline
▲ 0.50% · 4.625%
HK$82,918
+HK$4,152/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,532/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,365
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,051
−HK$2,730/mo
Today · 4.125%
HK$91,781
baseline
▲ 0.50% · 4.625%
HK$97,365
+HK$5,584/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,562/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,080
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,657
−HK$2,614/mo
Today · 4.125%
HK$101,271
baseline
▲ 0.50% · 4.625%
HK$106,609
+HK$5,338/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,542/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,169 · Scale 2, in force from 26 Feb 2026)