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$48,064
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,559
−HK$1,519/mo
Today · 4.125%
HK$51,078
baseline
▲ 0.50% · 4.625%
HK$54,186
+HK$3,108/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,156/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$857,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,471
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,905
−HK$1,455/mo
Today · 4.125%
HK$56,360
baseline
▲ 0.50% · 4.625%
HK$59,330
+HK$2,970/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,720/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$857,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,677
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,471
−HK$1,823/mo
Today · 4.125%
HK$61,294
baseline
▲ 0.50% · 4.625%
HK$65,023
+HK$3,729/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,588/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,165
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,886
−HK$1,745/mo
Today · 4.125%
HK$67,631
baseline
▲ 0.50% · 4.625%
HK$71,196
+HK$3,565/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,262/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,290
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,383
−HK$2,126/mo
Today · 4.125%
HK$71,509
baseline
▲ 0.50% · 4.625%
HK$75,860
+HK$4,351/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$143,018/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,859
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,867
−HK$2,036/mo
Today · 4.125%
HK$78,903
baseline
▲ 0.50% · 4.625%
HK$83,062
+HK$4,159/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,806/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,515
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,206
−HK$2,734/mo
Today · 4.125%
HK$91,940
baseline
▲ 0.50% · 4.625%
HK$97,535
+HK$5,595/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$183,880/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$857,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,247
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,828
−HK$2,619/mo
Today · 4.125%
HK$101,447
baseline
▲ 0.50% · 4.625%
HK$106,795
+HK$5,348/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$202,894/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$857,831 · Scale 2, in force from 26 Feb 2026)