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$48,141
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,639
−HK$1,521/mo
Today · 4.125%
HK$51,160
baseline
▲ 0.50% · 4.625%
HK$54,273
+HK$3,113/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,320/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,556
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,993
−HK$1,457/mo
Today · 4.125%
HK$56,450
baseline
▲ 0.50% · 4.625%
HK$59,426
+HK$2,976/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,900/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,769
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,566
−HK$1,826/mo
Today · 4.125%
HK$61,392
baseline
▲ 0.50% · 4.625%
HK$65,127
+HK$3,735/mo
Deposit HK$8.44M · loan HK$12.67M · min. income ≈ HK$122,784/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,268
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,991
−HK$1,749/mo
Today · 4.125%
HK$67,740
baseline
▲ 0.50% · 4.625%
HK$71,311
+HK$3,571/mo
Deposit HK$8.44M · loan HK$12.67M · min. income ≈ HK$135,480/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,398
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,494
−HK$2,130/mo
Today · 4.125%
HK$71,624
baseline
▲ 0.50% · 4.625%
HK$75,982
+HK$4,358/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$143,248/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$861,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,979
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,990
−HK$2,040/mo
Today · 4.125%
HK$79,030
baseline
▲ 0.50% · 4.625%
HK$83,196
+HK$4,166/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$158,060/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$861,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,654
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$89,349
−HK$2,739/mo
Today · 4.125%
HK$92,088
baseline
▲ 0.50% · 4.625%
HK$97,691
+HK$5,603/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,176/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,402
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$98,987
−HK$2,623/mo
Today · 4.125%
HK$101,610
baseline
▲ 0.50% · 4.625%
HK$106,966
+HK$5,356/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,220/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,214 · Scale 2, in force from 26 Feb 2026)