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$48,161
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,659
−HK$1,523/mo
Today · 4.125%
HK$51,182
baseline
▲ 0.50% · 4.625%
HK$54,296
+HK$3,114/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,364/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,579
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,016
−HK$1,458/mo
Today · 4.125%
HK$56,474
baseline
▲ 0.50% · 4.625%
HK$59,451
+HK$2,977/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,948/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,794
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,591
−HK$1,827/mo
Today · 4.125%
HK$61,418
baseline
▲ 0.50% · 4.625%
HK$65,155
+HK$3,737/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,836/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,295
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,019
−HK$1,750/mo
Today · 4.125%
HK$67,769
baseline
▲ 0.50% · 4.625%
HK$71,341
+HK$3,572/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,538/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,426
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,523
−HK$2,131/mo
Today · 4.125%
HK$71,654
baseline
▲ 0.50% · 4.625%
HK$76,014
+HK$4,360/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$143,308/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,011
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,022
−HK$2,041/mo
Today · 4.125%
HK$79,063
baseline
▲ 0.50% · 4.625%
HK$83,231
+HK$4,168/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$158,126/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,690
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,387
−HK$2,740/mo
Today · 4.125%
HK$92,127
baseline
▲ 0.50% · 4.625%
HK$97,732
+HK$5,605/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,254/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,442
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,029
−HK$2,624/mo
Today · 4.125%
HK$101,653
baseline
▲ 0.50% · 4.625%
HK$107,011
+HK$5,358/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,306/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,104 · Scale 2, in force from 26 Feb 2026)