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$48,117
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,613
−HK$1,521/mo
Today · 4.125%
HK$51,134
baseline
▲ 0.50% · 4.625%
HK$54,245
+HK$3,111/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,268/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,529
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,965
−HK$1,456/mo
Today · 4.125%
HK$56,421
baseline
▲ 0.50% · 4.625%
HK$59,395
+HK$2,974/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,842/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,740
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,536
−HK$1,825/mo
Today · 4.125%
HK$61,361
baseline
▲ 0.50% · 4.625%
HK$65,094
+HK$3,733/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,722/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,235
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,958
−HK$1,747/mo
Today · 4.125%
HK$67,705
baseline
▲ 0.50% · 4.625%
HK$71,274
+HK$3,569/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,410/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,363
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,459
−HK$2,128/mo
Today · 4.125%
HK$71,587
baseline
▲ 0.50% · 4.625%
HK$75,943
+HK$4,356/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,174/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,941
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,951
−HK$2,039/mo
Today · 4.125%
HK$78,990
baseline
▲ 0.50% · 4.625%
HK$83,153
+HK$4,163/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,980/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,610
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,304
−HK$2,737/mo
Today · 4.125%
HK$92,041
baseline
▲ 0.50% · 4.625%
HK$97,642
+HK$5,601/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,082/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,353
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,937
−HK$2,621/mo
Today · 4.125%
HK$101,558
baseline
▲ 0.50% · 4.625%
HK$106,911
+HK$5,353/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,116/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,139 · Scale 2, in force from 26 Feb 2026)