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$48,105
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,601
−HK$1,520/mo
Today · 4.125%
HK$51,121
baseline
▲ 0.50% · 4.625%
HK$54,232
+HK$3,111/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,242/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,516
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,951
−HK$1,456/mo
Today · 4.125%
HK$56,407
baseline
▲ 0.50% · 4.625%
HK$59,380
+HK$2,973/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,814/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,725
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,521
−HK$1,824/mo
Today · 4.125%
HK$61,345
baseline
▲ 0.50% · 4.625%
HK$65,078
+HK$3,733/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,690/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,219
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,941
−HK$1,748/mo
Today · 4.125%
HK$67,689
baseline
▲ 0.50% · 4.625%
HK$71,257
+HK$3,568/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,378/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,346
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,441
−HK$2,129/mo
Today · 4.125%
HK$71,570
baseline
▲ 0.50% · 4.625%
HK$75,924
+HK$4,354/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,140/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,922
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,932
−HK$2,038/mo
Today · 4.125%
HK$78,970
baseline
▲ 0.50% · 4.625%
HK$83,133
+HK$4,163/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,940/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,588
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,282
−HK$2,736/mo
Today · 4.125%
HK$92,018
baseline
▲ 0.50% · 4.625%
HK$97,617
+HK$5,599/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,036/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,329
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,912
−HK$2,621/mo
Today · 4.125%
HK$101,533
baseline
▲ 0.50% · 4.625%
HK$106,885
+HK$5,352/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,066/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,613 · Scale 2, in force from 26 Feb 2026)