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$48,167
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,665
−HK$1,523/mo
Today · 4.125%
HK$51,188
baseline
▲ 0.50% · 4.625%
HK$54,302
+HK$3,114/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,376/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,585
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,023
−HK$1,457/mo
Today · 4.125%
HK$56,480
baseline
▲ 0.50% · 4.625%
HK$59,458
+HK$2,978/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,960/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,801
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,598
−HK$1,827/mo
Today · 4.125%
HK$61,425
baseline
▲ 0.50% · 4.625%
HK$65,163
+HK$3,738/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,850/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,303
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,027
−HK$1,750/mo
Today · 4.125%
HK$67,777
baseline
▲ 0.50% · 4.625%
HK$71,349
+HK$3,572/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,554/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,434
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,532
−HK$2,131/mo
Today · 4.125%
HK$71,663
baseline
▲ 0.50% · 4.625%
HK$76,023
+HK$4,360/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,326/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,020
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,032
−HK$2,041/mo
Today · 4.125%
HK$79,073
baseline
▲ 0.50% · 4.625%
HK$83,241
+HK$4,168/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,146/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,701
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,398
−HK$2,740/mo
Today · 4.125%
HK$92,138
baseline
▲ 0.50% · 4.625%
HK$97,744
+HK$5,606/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,276/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,454
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,041
−HK$2,624/mo
Today · 4.125%
HK$101,665
baseline
▲ 0.50% · 4.625%
HK$107,024
+HK$5,359/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,330/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,356 · Scale 2, in force from 26 Feb 2026)