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$48,079
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,574
−HK$1,520/mo
Today · 4.125%
HK$51,094
baseline
▲ 0.50% · 4.625%
HK$54,203
+HK$3,109/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,188/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,487
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,922
−HK$1,455/mo
Today · 4.125%
HK$56,377
baseline
▲ 0.50% · 4.625%
HK$59,349
+HK$2,972/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,754/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,695
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,489
−HK$1,824/mo
Today · 4.125%
HK$61,313
baseline
▲ 0.50% · 4.625%
HK$65,043
+HK$3,730/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,626/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,185
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,906
−HK$1,746/mo
Today · 4.125%
HK$67,652
baseline
▲ 0.50% · 4.625%
HK$71,218
+HK$3,566/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,304/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,310
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,404
−HK$2,127/mo
Today · 4.125%
HK$71,531
baseline
▲ 0.50% · 4.625%
HK$75,884
+HK$4,353/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$143,062/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,882
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,890
−HK$2,038/mo
Today · 4.125%
HK$78,928
baseline
▲ 0.50% · 4.625%
HK$83,088
+HK$4,160/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$157,856/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,542
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,234
−HK$2,735/mo
Today · 4.125%
HK$91,969
baseline
▲ 0.50% · 4.625%
HK$97,565
+HK$5,596/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$183,938/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,277
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,859
−HK$2,620/mo
Today · 4.125%
HK$101,479
baseline
▲ 0.50% · 4.625%
HK$106,828
+HK$5,349/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$202,958/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,484 · Scale 2, in force from 26 Feb 2026)