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$47,917
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,408
−HK$1,514/mo
Today · 4.125%
HK$50,922
baseline
▲ 0.50% · 4.625%
HK$54,021
+HK$3,099/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,844/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,307
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,737
−HK$1,450/mo
Today · 4.125%
HK$56,187
baseline
▲ 0.50% · 4.625%
HK$59,149
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,374/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,501
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,289
−HK$1,817/mo
Today · 4.125%
HK$61,106
baseline
▲ 0.50% · 4.625%
HK$64,825
+HK$3,719/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,212/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,969
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,685
−HK$1,740/mo
Today · 4.125%
HK$67,425
baseline
▲ 0.50% · 4.625%
HK$70,979
+HK$3,554/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,850/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,084
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,171
−HK$2,120/mo
Today · 4.125%
HK$71,291
baseline
▲ 0.50% · 4.625%
HK$75,629
+HK$4,338/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$142,582/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,630
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,632
−HK$2,030/mo
Today · 4.125%
HK$78,662
baseline
▲ 0.50% · 4.625%
HK$82,809
+HK$4,147/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$157,324/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,251
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,934
−HK$2,726/mo
Today · 4.125%
HK$91,660
baseline
▲ 0.50% · 4.625%
HK$97,237
+HK$5,577/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$183,320/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,953
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,527
−HK$2,610/mo
Today · 4.125%
HK$101,137
baseline
▲ 0.50% · 4.625%
HK$106,469
+HK$5,332/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$202,274/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,398 · Scale 2, in force from 26 Feb 2026)