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$48,110
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,607
−HK$1,520/mo
Today · 4.125%
HK$51,127
baseline
▲ 0.50% · 4.625%
HK$54,238
+HK$3,111/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,254/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,522
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,958
−HK$1,456/mo
Today · 4.125%
HK$56,414
baseline
▲ 0.50% · 4.625%
HK$59,388
+HK$2,974/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,828/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,732
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,528
−HK$1,825/mo
Today · 4.125%
HK$61,353
baseline
▲ 0.50% · 4.625%
HK$65,086
+HK$3,733/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,706/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,227
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,949
−HK$1,748/mo
Today · 4.125%
HK$67,697
baseline
▲ 0.50% · 4.625%
HK$71,265
+HK$3,568/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,394/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,355
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,450
−HK$2,128/mo
Today · 4.125%
HK$71,578
baseline
▲ 0.50% · 4.625%
HK$75,934
+HK$4,356/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,156/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,931
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,941
−HK$2,039/mo
Today · 4.125%
HK$78,980
baseline
▲ 0.50% · 4.625%
HK$83,143
+HK$4,163/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,960/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,599
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,292
−HK$2,737/mo
Today · 4.125%
HK$92,029
baseline
▲ 0.50% · 4.625%
HK$97,629
+HK$5,600/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,058/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,340
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,924
−HK$2,621/mo
Today · 4.125%
HK$101,545
baseline
▲ 0.50% · 4.625%
HK$106,898
+HK$5,353/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,090/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,867 · Scale 2, in force from 26 Feb 2026)