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$48,074
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,569
−HK$1,519/mo
Today · 4.125%
HK$51,088
baseline
▲ 0.50% · 4.625%
HK$54,197
+HK$3,109/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,176/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,481
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,916
−HK$1,455/mo
Today · 4.125%
HK$56,371
baseline
▲ 0.50% · 4.625%
HK$59,342
+HK$2,971/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,742/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,688
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,483
−HK$1,823/mo
Today · 4.125%
HK$61,306
baseline
▲ 0.50% · 4.625%
HK$65,036
+HK$3,730/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,612/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,178
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,899
−HK$1,746/mo
Today · 4.125%
HK$67,645
baseline
▲ 0.50% · 4.625%
HK$71,211
+HK$3,566/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,290/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,303
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,397
−HK$2,127/mo
Today · 4.125%
HK$71,524
baseline
▲ 0.50% · 4.625%
HK$75,876
+HK$4,352/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$143,048/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,874
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,882
−HK$2,037/mo
Today · 4.125%
HK$78,919
baseline
▲ 0.50% · 4.625%
HK$83,079
+HK$4,160/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$157,838/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,533
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,224
−HK$2,735/mo
Today · 4.125%
HK$91,959
baseline
▲ 0.50% · 4.625%
HK$97,554
+HK$5,595/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$183,918/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,267
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,848
−HK$2,620/mo
Today · 4.125%
HK$101,468
baseline
▲ 0.50% · 4.625%
HK$106,816
+HK$5,348/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$202,936/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,256 · Scale 2, in force from 26 Feb 2026)