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$48,151
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,649
−HK$1,522/mo
Today · 4.125%
HK$51,171
baseline
▲ 0.50% · 4.625%
HK$54,284
+HK$3,113/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,342/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,568
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,004
−HK$1,458/mo
Today · 4.125%
HK$56,462
baseline
▲ 0.50% · 4.625%
HK$59,438
+HK$2,976/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,924/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,781
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,579
−HK$1,826/mo
Today · 4.125%
HK$61,405
baseline
▲ 0.50% · 4.625%
HK$65,141
+HK$3,736/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,810/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,281
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,005
−HK$1,749/mo
Today · 4.125%
HK$67,754
baseline
▲ 0.50% · 4.625%
HK$71,326
+HK$3,572/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,508/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,412
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,508
−HK$2,131/mo
Today · 4.125%
HK$71,639
baseline
▲ 0.50% · 4.625%
HK$75,998
+HK$4,359/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$143,278/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,995
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$77,006
−HK$2,040/mo
Today · 4.125%
HK$79,046
baseline
▲ 0.50% · 4.625%
HK$83,213
+HK$4,167/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$158,092/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,672
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,368
−HK$2,739/mo
Today · 4.125%
HK$92,107
baseline
▲ 0.50% · 4.625%
HK$97,712
+HK$5,605/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,214/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,422
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,008
−HK$2,623/mo
Today · 4.125%
HK$101,631
baseline
▲ 0.50% · 4.625%
HK$106,988
+HK$5,357/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,262/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,655 · Scale 2, in force from 26 Feb 2026)