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$47,941
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,432
−HK$1,515/mo
Today · 4.125%
HK$50,947
baseline
▲ 0.50% · 4.625%
HK$54,047
+HK$3,100/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,894/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$852,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,333
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,764
−HK$1,451/mo
Today · 4.125%
HK$56,215
baseline
▲ 0.50% · 4.625%
HK$59,178
+HK$2,963/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,430/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$852,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,529
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,318
−HK$1,818/mo
Today · 4.125%
HK$61,136
baseline
▲ 0.50% · 4.625%
HK$64,856
+HK$3,720/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,272/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,000
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,717
−HK$1,741/mo
Today · 4.125%
HK$67,458
baseline
▲ 0.50% · 4.625%
HK$71,014
+HK$3,556/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,916/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,117
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,205
−HK$2,121/mo
Today · 4.125%
HK$71,326
baseline
▲ 0.50% · 4.625%
HK$75,666
+HK$4,340/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,652/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,667
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,669
−HK$2,032/mo
Today · 4.125%
HK$78,701
baseline
▲ 0.50% · 4.625%
HK$82,849
+HK$4,148/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,402/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,293
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,977
−HK$2,727/mo
Today · 4.125%
HK$91,704
baseline
▲ 0.50% · 4.625%
HK$97,284
+HK$5,580/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,408/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$852,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,000
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,575
−HK$2,612/mo
Today · 4.125%
HK$101,187
baseline
▲ 0.50% · 4.625%
HK$106,521
+HK$5,334/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,374/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$852,423 · Scale 2, in force from 26 Feb 2026)