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$48,092
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,588
−HK$1,520/mo
Today · 4.125%
HK$51,108
baseline
▲ 0.50% · 4.625%
HK$54,217
+HK$3,109/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,216/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$859,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,502
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,937
−HK$1,455/mo
Today · 4.125%
HK$56,392
baseline
▲ 0.50% · 4.625%
HK$59,365
+HK$2,973/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,784/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$859,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,710
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,505
−HK$1,824/mo
Today · 4.125%
HK$61,329
baseline
▲ 0.50% · 4.625%
HK$65,061
+HK$3,732/mo
Deposit HK$8.44M · loan HK$12.65M · min. income ≈ HK$122,658/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,202
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,924
−HK$1,747/mo
Today · 4.125%
HK$67,671
baseline
▲ 0.50% · 4.625%
HK$71,238
+HK$3,567/mo
Deposit HK$8.44M · loan HK$12.65M · min. income ≈ HK$135,342/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,329
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,423
−HK$2,128/mo
Today · 4.125%
HK$71,551
baseline
▲ 0.50% · 4.625%
HK$75,904
+HK$4,353/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$143,102/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,902
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,911
−HK$2,038/mo
Today · 4.125%
HK$78,949
baseline
▲ 0.50% · 4.625%
HK$83,111
+HK$4,162/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$157,898/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,565
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,258
−HK$2,736/mo
Today · 4.125%
HK$91,994
baseline
▲ 0.50% · 4.625%
HK$97,591
+HK$5,597/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$183,988/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,303
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,886
−HK$2,620/mo
Today · 4.125%
HK$101,506
baseline
▲ 0.50% · 4.625%
HK$106,857
+HK$5,351/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$203,012/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,057 · Scale 2, in force from 26 Feb 2026)