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$48,068
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,563
−HK$1,519/mo
Today · 4.125%
HK$51,082
baseline
▲ 0.50% · 4.625%
HK$54,190
+HK$3,108/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,164/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$857,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,475
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,909
−HK$1,455/mo
Today · 4.125%
HK$56,364
baseline
▲ 0.50% · 4.625%
HK$59,335
+HK$2,971/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,728/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$857,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,681
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,475
−HK$1,823/mo
Today · 4.125%
HK$61,298
baseline
▲ 0.50% · 4.625%
HK$65,028
+HK$3,730/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,596/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,170
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,891
−HK$1,746/mo
Today · 4.125%
HK$67,637
baseline
▲ 0.50% · 4.625%
HK$71,202
+HK$3,565/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,274/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,295
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,388
−HK$2,127/mo
Today · 4.125%
HK$71,515
baseline
▲ 0.50% · 4.625%
HK$75,866
+HK$4,351/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$143,030/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,865
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,872
−HK$2,037/mo
Today · 4.125%
HK$78,909
baseline
▲ 0.50% · 4.625%
HK$83,069
+HK$4,160/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$157,818/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,522
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,213
−HK$2,734/mo
Today · 4.125%
HK$91,947
baseline
▲ 0.50% · 4.625%
HK$97,542
+HK$5,595/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$183,894/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$857,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,254
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,836
−HK$2,619/mo
Today · 4.125%
HK$101,455
baseline
▲ 0.50% · 4.625%
HK$106,803
+HK$5,348/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$202,910/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$857,990 · Scale 2, in force from 26 Feb 2026)