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$48,056
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,551
−HK$1,519/mo
Today · 4.125%
HK$51,070
baseline
▲ 0.50% · 4.625%
HK$54,177
+HK$3,107/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,140/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$857,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,462
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,896
−HK$1,454/mo
Today · 4.125%
HK$56,350
baseline
▲ 0.50% · 4.625%
HK$59,321
+HK$2,971/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,700/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$857,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,667
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,461
−HK$1,823/mo
Today · 4.125%
HK$61,284
baseline
▲ 0.50% · 4.625%
HK$65,013
+HK$3,729/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$122,568/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,154
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,875
−HK$1,745/mo
Today · 4.125%
HK$67,620
baseline
▲ 0.50% · 4.625%
HK$71,185
+HK$3,565/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$135,240/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,279
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,371
−HK$2,127/mo
Today · 4.125%
HK$71,498
baseline
▲ 0.50% · 4.625%
HK$75,848
+HK$4,350/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$142,996/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,847
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,854
−HK$2,036/mo
Today · 4.125%
HK$78,890
baseline
▲ 0.50% · 4.625%
HK$83,049
+HK$4,159/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,780/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,501
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,192
−HK$2,733/mo
Today · 4.125%
HK$91,925
baseline
▲ 0.50% · 4.625%
HK$97,519
+HK$5,594/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$183,850/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$857,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,232
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,812
−HK$2,619/mo
Today · 4.125%
HK$101,431
baseline
▲ 0.50% · 4.625%
HK$106,777
+HK$5,346/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$202,862/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$857,489 · Scale 2, in force from 26 Feb 2026)