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$47,920
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,410
−HK$1,515/mo
Today · 4.125%
HK$50,925
baseline
▲ 0.50% · 4.625%
HK$54,023
+HK$3,098/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,850/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,310
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,740
−HK$1,450/mo
Today · 4.125%
HK$56,190
baseline
▲ 0.50% · 4.625%
HK$59,152
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,380/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,504
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,292
−HK$1,818/mo
Today · 4.125%
HK$61,110
baseline
▲ 0.50% · 4.625%
HK$64,828
+HK$3,718/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,220/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,972
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,688
−HK$1,740/mo
Today · 4.125%
HK$67,428
baseline
▲ 0.50% · 4.625%
HK$70,983
+HK$3,555/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,856/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,088
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,174
−HK$2,121/mo
Today · 4.125%
HK$71,295
baseline
▲ 0.50% · 4.625%
HK$75,633
+HK$4,338/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$142,590/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,634
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,636
−HK$2,031/mo
Today · 4.125%
HK$78,667
baseline
▲ 0.50% · 4.625%
HK$82,813
+HK$4,146/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$157,334/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,256
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,939
−HK$2,726/mo
Today · 4.125%
HK$91,665
baseline
▲ 0.50% · 4.625%
HK$97,242
+HK$5,577/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$183,330/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,958
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,532
−HK$2,611/mo
Today · 4.125%
HK$101,143
baseline
▲ 0.50% · 4.625%
HK$106,474
+HK$5,331/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$202,286/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,507 · Scale 2, in force from 26 Feb 2026)