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$48,158
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,656
−HK$1,522/mo
Today · 4.125%
HK$51,178
baseline
▲ 0.50% · 4.625%
HK$54,292
+HK$3,114/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,356/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,576
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,012
−HK$1,458/mo
Today · 4.125%
HK$56,470
baseline
▲ 0.50% · 4.625%
HK$59,447
+HK$2,977/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,940/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,790
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,587
−HK$1,827/mo
Today · 4.125%
HK$61,414
baseline
▲ 0.50% · 4.625%
HK$65,151
+HK$3,737/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,828/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,291
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,015
−HK$1,749/mo
Today · 4.125%
HK$67,764
baseline
▲ 0.50% · 4.625%
HK$71,336
+HK$3,572/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,528/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,422
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,519
−HK$2,130/mo
Today · 4.125%
HK$71,649
baseline
▲ 0.50% · 4.625%
HK$76,009
+HK$4,360/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$143,298/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,006
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,017
−HK$2,041/mo
Today · 4.125%
HK$79,058
baseline
▲ 0.50% · 4.625%
HK$83,225
+HK$4,167/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$158,116/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,685
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,381
−HK$2,740/mo
Today · 4.125%
HK$92,121
baseline
▲ 0.50% · 4.625%
HK$97,726
+HK$5,605/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,242/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,436
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,022
−HK$2,624/mo
Today · 4.125%
HK$101,646
baseline
▲ 0.50% · 4.625%
HK$107,004
+HK$5,358/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,292/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,966 · Scale 2, in force from 26 Feb 2026)