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$48,118
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,614
−HK$1,521/mo
Today · 4.125%
HK$51,135
baseline
▲ 0.50% · 4.625%
HK$54,246
+HK$3,111/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,270/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,530
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,966
−HK$1,456/mo
Today · 4.125%
HK$56,422
baseline
▲ 0.50% · 4.625%
HK$59,396
+HK$2,974/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,844/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,741
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,537
−HK$1,825/mo
Today · 4.125%
HK$61,362
baseline
▲ 0.50% · 4.625%
HK$65,096
+HK$3,734/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,724/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,236
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,959
−HK$1,748/mo
Today · 4.125%
HK$67,707
baseline
▲ 0.50% · 4.625%
HK$71,276
+HK$3,569/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,414/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,365
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,460
−HK$2,129/mo
Today · 4.125%
HK$71,589
baseline
▲ 0.50% · 4.625%
HK$75,945
+HK$4,356/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,178/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,942
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,952
−HK$2,039/mo
Today · 4.125%
HK$78,991
baseline
▲ 0.50% · 4.625%
HK$83,155
+HK$4,164/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,982/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,612
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,306
−HK$2,737/mo
Today · 4.125%
HK$92,043
baseline
▲ 0.50% · 4.625%
HK$97,643
+HK$5,600/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,086/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,354
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,939
−HK$2,621/mo
Today · 4.125%
HK$101,560
baseline
▲ 0.50% · 4.625%
HK$106,914
+HK$5,354/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,120/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,181 · Scale 2, in force from 26 Feb 2026)