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$47,989
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,482
−HK$1,516/mo
Today · 4.125%
HK$50,998
baseline
▲ 0.50% · 4.625%
HK$54,101
+HK$3,103/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,996/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,387
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,819
−HK$1,452/mo
Today · 4.125%
HK$56,271
baseline
▲ 0.50% · 4.625%
HK$59,238
+HK$2,967/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,542/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,587
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,378
−HK$1,820/mo
Today · 4.125%
HK$61,198
baseline
▲ 0.50% · 4.625%
HK$64,922
+HK$3,724/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,396/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,065
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,783
−HK$1,743/mo
Today · 4.125%
HK$67,526
baseline
▲ 0.50% · 4.625%
HK$71,085
+HK$3,559/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,052/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,184
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,274
−HK$2,123/mo
Today · 4.125%
HK$71,397
baseline
▲ 0.50% · 4.625%
HK$75,742
+HK$4,345/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,794/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,742
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,747
−HK$2,033/mo
Today · 4.125%
HK$78,780
baseline
▲ 0.50% · 4.625%
HK$82,933
+HK$4,153/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,560/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,380
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,067
−HK$2,730/mo
Today · 4.125%
HK$91,797
baseline
▲ 0.50% · 4.625%
HK$97,382
+HK$5,585/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,594/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,097
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,674
−HK$2,615/mo
Today · 4.125%
HK$101,289
baseline
▲ 0.50% · 4.625%
HK$106,628
+HK$5,339/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,578/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,538 · Scale 2, in force from 26 Feb 2026)