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$47,965
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,457
−HK$1,516/mo
Today · 4.125%
HK$50,973
baseline
▲ 0.50% · 4.625%
HK$54,074
+HK$3,101/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,946/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,361
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,792
−HK$1,451/mo
Today · 4.125%
HK$56,243
baseline
▲ 0.50% · 4.625%
HK$59,208
+HK$2,965/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,486/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,558
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,348
−HK$1,819/mo
Today · 4.125%
HK$61,167
baseline
▲ 0.50% · 4.625%
HK$64,889
+HK$3,722/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,334/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,033
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,750
−HK$1,742/mo
Today · 4.125%
HK$67,492
baseline
▲ 0.50% · 4.625%
HK$71,050
+HK$3,558/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,984/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,151
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,240
−HK$2,122/mo
Today · 4.125%
HK$71,362
baseline
▲ 0.50% · 4.625%
HK$75,704
+HK$4,342/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,724/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,705
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,708
−HK$2,033/mo
Today · 4.125%
HK$78,741
baseline
▲ 0.50% · 4.625%
HK$82,891
+HK$4,150/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,482/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,337
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,022
−HK$2,729/mo
Today · 4.125%
HK$91,751
baseline
▲ 0.50% · 4.625%
HK$97,334
+HK$5,583/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,502/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,049
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,625
−HK$2,613/mo
Today · 4.125%
HK$101,238
baseline
▲ 0.50% · 4.625%
HK$106,575
+HK$5,337/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,476/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,490 · Scale 2, in force from 26 Feb 2026)