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$48,139
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,636
−HK$1,522/mo
Today · 4.125%
HK$51,158
baseline
▲ 0.50% · 4.625%
HK$54,271
+HK$3,113/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,316/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,554
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,990
−HK$1,458/mo
Today · 4.125%
HK$56,448
baseline
▲ 0.50% · 4.625%
HK$59,423
+HK$2,975/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,896/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,767
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,564
−HK$1,825/mo
Today · 4.125%
HK$61,389
baseline
▲ 0.50% · 4.625%
HK$65,125
+HK$3,736/mo
Deposit HK$8.44M · loan HK$12.67M · min. income ≈ HK$122,778/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,265
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,989
−HK$1,748/mo
Today · 4.125%
HK$67,737
baseline
▲ 0.50% · 4.625%
HK$71,308
+HK$3,571/mo
Deposit HK$8.44M · loan HK$12.67M · min. income ≈ HK$135,474/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,395
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,491
−HK$2,130/mo
Today · 4.125%
HK$71,621
baseline
▲ 0.50% · 4.625%
HK$75,979
+HK$4,358/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$143,242/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$861,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,976
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,987
−HK$2,040/mo
Today · 4.125%
HK$79,027
baseline
▲ 0.50% · 4.625%
HK$83,192
+HK$4,165/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$158,054/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$861,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,650
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$89,346
−HK$2,738/mo
Today · 4.125%
HK$92,084
baseline
▲ 0.50% · 4.625%
HK$97,687
+HK$5,603/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,168/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,398
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$98,983
−HK$2,623/mo
Today · 4.125%
HK$101,606
baseline
▲ 0.50% · 4.625%
HK$106,961
+HK$5,355/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,212/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,124 · Scale 2, in force from 26 Feb 2026)