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$48,142
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,640
−HK$1,521/mo
Today · 4.125%
HK$51,161
baseline
▲ 0.50% · 4.625%
HK$54,274
+HK$3,113/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,322/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,558
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,994
−HK$1,457/mo
Today · 4.125%
HK$56,451
baseline
▲ 0.50% · 4.625%
HK$59,427
+HK$2,976/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,902/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,771
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,568
−HK$1,825/mo
Today · 4.125%
HK$61,393
baseline
▲ 0.50% · 4.625%
HK$65,129
+HK$3,736/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,786/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,269
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,993
−HK$1,748/mo
Today · 4.125%
HK$67,741
baseline
▲ 0.50% · 4.625%
HK$71,312
+HK$3,571/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,482/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,399
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,496
−HK$2,130/mo
Today · 4.125%
HK$71,626
baseline
▲ 0.50% · 4.625%
HK$75,984
+HK$4,358/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$143,252/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,981
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,992
−HK$2,040/mo
Today · 4.125%
HK$79,032
baseline
▲ 0.50% · 4.625%
HK$83,198
+HK$4,166/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$158,064/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,656
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$89,351
−HK$2,739/mo
Today · 4.125%
HK$92,090
baseline
▲ 0.50% · 4.625%
HK$97,693
+HK$5,603/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,180/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,404
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$98,989
−HK$2,623/mo
Today · 4.125%
HK$101,612
baseline
▲ 0.50% · 4.625%
HK$106,968
+HK$5,356/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,224/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,261 · Scale 2, in force from 26 Feb 2026)