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$47,927
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,418
−HK$1,515/mo
Today · 4.125%
HK$50,933
baseline
▲ 0.50% · 4.625%
HK$54,032
+HK$3,099/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,866/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,318
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,748
−HK$1,451/mo
Today · 4.125%
HK$56,199
baseline
▲ 0.50% · 4.625%
HK$59,161
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,398/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,513
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,301
−HK$1,818/mo
Today · 4.125%
HK$61,119
baseline
▲ 0.50% · 4.625%
HK$64,838
+HK$3,719/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,238/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,982
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,698
−HK$1,741/mo
Today · 4.125%
HK$67,439
baseline
▲ 0.50% · 4.625%
HK$70,994
+HK$3,555/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,878/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,098
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,185
−HK$2,121/mo
Today · 4.125%
HK$71,306
baseline
▲ 0.50% · 4.625%
HK$75,644
+HK$4,338/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$142,612/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,646
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,648
−HK$2,031/mo
Today · 4.125%
HK$78,679
baseline
▲ 0.50% · 4.625%
HK$82,826
+HK$4,147/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$157,358/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,269
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,952
−HK$2,727/mo
Today · 4.125%
HK$91,679
baseline
▲ 0.50% · 4.625%
HK$97,257
+HK$5,578/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,358/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,973
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,547
−HK$2,611/mo
Today · 4.125%
HK$101,158
baseline
▲ 0.50% · 4.625%
HK$106,490
+HK$5,332/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,316/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,830 · Scale 2, in force from 26 Feb 2026)