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$47,982
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,474
−HK$1,517/mo
Today · 4.125%
HK$50,991
baseline
▲ 0.50% · 4.625%
HK$54,093
+HK$3,102/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,982/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,379
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,811
−HK$1,452/mo
Today · 4.125%
HK$56,263
baseline
▲ 0.50% · 4.625%
HK$59,229
+HK$2,966/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,526/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,578
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,369
−HK$1,820/mo
Today · 4.125%
HK$61,189
baseline
▲ 0.50% · 4.625%
HK$64,912
+HK$3,723/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,378/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,055
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,773
−HK$1,743/mo
Today · 4.125%
HK$67,516
baseline
▲ 0.50% · 4.625%
HK$71,075
+HK$3,559/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,032/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,174
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,264
−HK$2,123/mo
Today · 4.125%
HK$71,387
baseline
▲ 0.50% · 4.625%
HK$75,731
+HK$4,344/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,774/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,731
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,735
−HK$2,033/mo
Today · 4.125%
HK$78,768
baseline
▲ 0.50% · 4.625%
HK$82,920
+HK$4,152/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,536/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,367
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,054
−HK$2,729/mo
Today · 4.125%
HK$91,783
baseline
▲ 0.50% · 4.625%
HK$97,368
+HK$5,585/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,566/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,082
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,659
−HK$2,614/mo
Today · 4.125%
HK$101,273
baseline
▲ 0.50% · 4.625%
HK$106,612
+HK$5,339/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,546/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,224 · Scale 2, in force from 26 Feb 2026)