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$48,133
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,630
−HK$1,521/mo
Today · 4.125%
HK$51,151
baseline
▲ 0.50% · 4.625%
HK$54,263
+HK$3,112/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,302/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$860,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,547
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,983
−HK$1,457/mo
Today · 4.125%
HK$56,440
baseline
▲ 0.50% · 4.625%
HK$59,415
+HK$2,975/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,880/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$860,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,759
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,556
−HK$1,825/mo
Today · 4.125%
HK$61,381
baseline
▲ 0.50% · 4.625%
HK$65,116
+HK$3,735/mo
Deposit HK$8.44M · loan HK$12.67M · min. income ≈ HK$122,762/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,257
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,980
−HK$1,748/mo
Today · 4.125%
HK$67,728
baseline
▲ 0.50% · 4.625%
HK$71,298
+HK$3,570/mo
Deposit HK$8.44M · loan HK$12.67M · min. income ≈ HK$135,456/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,386
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,482
−HK$2,129/mo
Today · 4.125%
HK$71,611
baseline
▲ 0.50% · 4.625%
HK$75,969
+HK$4,358/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$143,222/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,966
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,977
−HK$2,039/mo
Today · 4.125%
HK$79,016
baseline
▲ 0.50% · 4.625%
HK$83,181
+HK$4,165/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$158,032/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,639
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,334
−HK$2,738/mo
Today · 4.125%
HK$92,072
baseline
▲ 0.50% · 4.625%
HK$97,674
+HK$5,602/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,144/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,385
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,970
−HK$2,622/mo
Today · 4.125%
HK$101,592
baseline
▲ 0.50% · 4.625%
HK$106,947
+HK$5,355/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,184/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,845 · Scale 2, in force from 26 Feb 2026)