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$48,082
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,578
−HK$1,520/mo
Today · 4.125%
HK$51,098
baseline
▲ 0.50% · 4.625%
HK$54,207
+HK$3,109/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,196/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,491
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,926
−HK$1,455/mo
Today · 4.125%
HK$56,381
baseline
▲ 0.50% · 4.625%
HK$59,353
+HK$2,972/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,762/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,699
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,494
−HK$1,823/mo
Today · 4.125%
HK$61,317
baseline
▲ 0.50% · 4.625%
HK$65,048
+HK$3,731/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,634/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,189
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,911
−HK$1,746/mo
Today · 4.125%
HK$67,657
baseline
▲ 0.50% · 4.625%
HK$71,224
+HK$3,567/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,314/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,315
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,409
−HK$2,128/mo
Today · 4.125%
HK$71,537
baseline
▲ 0.50% · 4.625%
HK$75,889
+HK$4,352/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$143,074/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,888
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,896
−HK$2,038/mo
Today · 4.125%
HK$78,934
baseline
▲ 0.50% · 4.625%
HK$83,094
+HK$4,160/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$157,868/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,548
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,240
−HK$2,736/mo
Today · 4.125%
HK$91,976
baseline
▲ 0.50% · 4.625%
HK$97,572
+HK$5,596/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$183,952/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,284
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,866
−HK$2,620/mo
Today · 4.125%
HK$101,486
baseline
▲ 0.50% · 4.625%
HK$106,836
+HK$5,350/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$202,972/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,641 · Scale 2, in force from 26 Feb 2026)