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$48,130
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,627
−HK$1,521/mo
Today · 4.125%
HK$51,148
baseline
▲ 0.50% · 4.625%
HK$54,261
+HK$3,113/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,296/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,544
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,980
−HK$1,457/mo
Today · 4.125%
HK$56,437
baseline
▲ 0.50% · 4.625%
HK$59,412
+HK$2,975/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,874/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,756
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,553
−HK$1,825/mo
Today · 4.125%
HK$61,378
baseline
▲ 0.50% · 4.625%
HK$65,113
+HK$3,735/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,756/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,253
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,976
−HK$1,749/mo
Today · 4.125%
HK$67,725
baseline
▲ 0.50% · 4.625%
HK$71,295
+HK$3,570/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,450/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,382
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,478
−HK$2,130/mo
Today · 4.125%
HK$71,608
baseline
▲ 0.50% · 4.625%
HK$75,965
+HK$4,357/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$143,216/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,962
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,973
−HK$2,039/mo
Today · 4.125%
HK$79,012
baseline
▲ 0.50% · 4.625%
HK$83,177
+HK$4,165/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$158,024/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,634
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,329
−HK$2,738/mo
Today · 4.125%
HK$92,067
baseline
▲ 0.50% · 4.625%
HK$97,669
+HK$5,602/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,134/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,380
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,965
−HK$2,622/mo
Today · 4.125%
HK$101,587
baseline
▲ 0.50% · 4.625%
HK$106,942
+HK$5,355/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,174/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,737 · Scale 2, in force from 26 Feb 2026)