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$47,968
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,460
−HK$1,516/mo
Today · 4.125%
HK$50,976
baseline
▲ 0.50% · 4.625%
HK$54,078
+HK$3,102/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,952/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,364
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,795
−HK$1,452/mo
Today · 4.125%
HK$56,247
baseline
▲ 0.50% · 4.625%
HK$59,212
+HK$2,965/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,494/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,562
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,352
−HK$1,819/mo
Today · 4.125%
HK$61,171
baseline
▲ 0.50% · 4.625%
HK$64,894
+HK$3,723/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,342/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,037
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,754
−HK$1,743/mo
Today · 4.125%
HK$67,497
baseline
▲ 0.50% · 4.625%
HK$71,054
+HK$3,557/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,994/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,155
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,244
−HK$2,123/mo
Today · 4.125%
HK$71,367
baseline
▲ 0.50% · 4.625%
HK$75,709
+HK$4,342/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,734/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,710
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,713
−HK$2,033/mo
Today · 4.125%
HK$78,746
baseline
▲ 0.50% · 4.625%
HK$82,897
+HK$4,151/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,492/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,343
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,028
−HK$2,729/mo
Today · 4.125%
HK$91,757
baseline
▲ 0.50% · 4.625%
HK$97,340
+HK$5,583/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,514/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,055
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,631
−HK$2,614/mo
Today · 4.125%
HK$101,245
baseline
▲ 0.50% · 4.625%
HK$106,582
+HK$5,337/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,490/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,629 · Scale 2, in force from 26 Feb 2026)