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$48,127
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,624
−HK$1,521/mo
Today · 4.125%
HK$51,145
baseline
▲ 0.50% · 4.625%
HK$54,257
+HK$3,112/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,290/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,541
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,977
−HK$1,457/mo
Today · 4.125%
HK$56,434
baseline
▲ 0.50% · 4.625%
HK$59,408
+HK$2,974/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,868/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,753
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,549
−HK$1,825/mo
Today · 4.125%
HK$61,374
baseline
▲ 0.50% · 4.625%
HK$65,109
+HK$3,735/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,748/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,249
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,972
−HK$1,748/mo
Today · 4.125%
HK$67,720
baseline
▲ 0.50% · 4.625%
HK$71,290
+HK$3,570/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,440/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,378
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,474
−HK$2,129/mo
Today · 4.125%
HK$71,603
baseline
▲ 0.50% · 4.625%
HK$75,960
+HK$4,357/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,206/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,957
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,968
−HK$2,039/mo
Today · 4.125%
HK$79,007
baseline
▲ 0.50% · 4.625%
HK$83,172
+HK$4,165/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$158,014/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,629
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,324
−HK$2,737/mo
Today · 4.125%
HK$92,061
baseline
▲ 0.50% · 4.625%
HK$97,663
+HK$5,602/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,122/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,374
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,959
−HK$2,622/mo
Today · 4.125%
HK$101,581
baseline
▲ 0.50% · 4.625%
HK$106,935
+HK$5,354/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,162/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,606 · Scale 2, in force from 26 Feb 2026)