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$48,059
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,554
−HK$1,518/mo
Today · 4.125%
HK$51,072
baseline
▲ 0.50% · 4.625%
HK$54,180
+HK$3,108/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,144/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$857,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,465
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,899
−HK$1,454/mo
Today · 4.125%
HK$56,353
baseline
▲ 0.50% · 4.625%
HK$59,324
+HK$2,971/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,706/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$857,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,670
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,464
−HK$1,823/mo
Today · 4.125%
HK$61,287
baseline
▲ 0.50% · 4.625%
HK$65,016
+HK$3,729/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,574/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,158
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,878
−HK$1,746/mo
Today · 4.125%
HK$67,624
baseline
▲ 0.50% · 4.625%
HK$71,188
+HK$3,564/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,248/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,282
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,375
−HK$2,126/mo
Today · 4.125%
HK$71,501
baseline
▲ 0.50% · 4.625%
HK$75,852
+HK$4,351/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$143,002/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,851
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,858
−HK$2,037/mo
Today · 4.125%
HK$78,895
baseline
▲ 0.50% · 4.625%
HK$83,053
+HK$4,158/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,790/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,505
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,196
−HK$2,734/mo
Today · 4.125%
HK$91,930
baseline
▲ 0.50% · 4.625%
HK$97,524
+HK$5,594/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$183,860/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$857,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,236
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,818
−HK$2,618/mo
Today · 4.125%
HK$101,436
baseline
▲ 0.50% · 4.625%
HK$106,783
+HK$5,347/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$202,872/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$857,597 · Scale 2, in force from 26 Feb 2026)