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$48,115
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,612
−HK$1,520/mo
Today · 4.125%
HK$51,132
baseline
▲ 0.50% · 4.625%
HK$54,244
+HK$3,112/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,264/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,528
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,963
−HK$1,457/mo
Today · 4.125%
HK$56,420
baseline
▲ 0.50% · 4.625%
HK$59,394
+HK$2,974/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,840/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,738
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,534
−HK$1,825/mo
Today · 4.125%
HK$61,359
baseline
▲ 0.50% · 4.625%
HK$65,092
+HK$3,733/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,718/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,233
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,956
−HK$1,747/mo
Today · 4.125%
HK$67,703
baseline
▲ 0.50% · 4.625%
HK$71,272
+HK$3,569/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,406/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,361
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,457
−HK$2,128/mo
Today · 4.125%
HK$71,585
baseline
▲ 0.50% · 4.625%
HK$75,941
+HK$4,356/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,170/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,939
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,949
−HK$2,038/mo
Today · 4.125%
HK$78,987
baseline
▲ 0.50% · 4.625%
HK$83,151
+HK$4,164/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,974/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,607
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,301
−HK$2,737/mo
Today · 4.125%
HK$92,038
baseline
▲ 0.50% · 4.625%
HK$97,639
+HK$5,601/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,076/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,350
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,934
−HK$2,621/mo
Today · 4.125%
HK$101,555
baseline
▲ 0.50% · 4.625%
HK$106,908
+HK$5,353/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,110/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,077 · Scale 2, in force from 26 Feb 2026)