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$48,152
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,650
−HK$1,522/mo
Today · 4.125%
HK$51,172
baseline
▲ 0.50% · 4.625%
HK$54,285
+HK$3,113/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,344/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,569
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,005
−HK$1,458/mo
Today · 4.125%
HK$56,463
baseline
▲ 0.50% · 4.625%
HK$59,439
+HK$2,976/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,926/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,783
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,580
−HK$1,826/mo
Today · 4.125%
HK$61,406
baseline
▲ 0.50% · 4.625%
HK$65,142
+HK$3,736/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,812/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,282
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,006
−HK$1,749/mo
Today · 4.125%
HK$67,755
baseline
▲ 0.50% · 4.625%
HK$71,327
+HK$3,572/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,510/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,413
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,510
−HK$2,130/mo
Today · 4.125%
HK$71,640
baseline
▲ 0.50% · 4.625%
HK$75,999
+HK$4,359/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$143,280/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,996
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,008
−HK$2,040/mo
Today · 4.125%
HK$79,048
baseline
▲ 0.50% · 4.625%
HK$83,215
+HK$4,167/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$158,096/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,674
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,370
−HK$2,739/mo
Today · 4.125%
HK$92,109
baseline
▲ 0.50% · 4.625%
HK$97,714
+HK$5,605/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,218/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,424
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,010
−HK$2,623/mo
Today · 4.125%
HK$101,633
baseline
▲ 0.50% · 4.625%
HK$106,990
+HK$5,357/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,266/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,697 · Scale 2, in force from 26 Feb 2026)