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$48,123
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,620
−HK$1,521/mo
Today · 4.125%
HK$51,141
baseline
▲ 0.50% · 4.625%
HK$54,253
+HK$3,112/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,282/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,536
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,972
−HK$1,457/mo
Today · 4.125%
HK$56,429
baseline
▲ 0.50% · 4.625%
HK$59,403
+HK$2,974/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,858/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,748
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,544
−HK$1,825/mo
Today · 4.125%
HK$61,369
baseline
▲ 0.50% · 4.625%
HK$65,103
+HK$3,734/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,738/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,244
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,967
−HK$1,748/mo
Today · 4.125%
HK$67,715
baseline
▲ 0.50% · 4.625%
HK$71,284
+HK$3,569/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,430/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,372
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,468
−HK$2,129/mo
Today · 4.125%
HK$71,597
baseline
▲ 0.50% · 4.625%
HK$75,954
+HK$4,357/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,194/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,951
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,961
−HK$2,039/mo
Today · 4.125%
HK$79,000
baseline
▲ 0.50% · 4.625%
HK$83,165
+HK$4,165/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$158,000/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,622
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,316
−HK$2,738/mo
Today · 4.125%
HK$92,054
baseline
▲ 0.50% · 4.625%
HK$97,655
+HK$5,601/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,108/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,366
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,950
−HK$2,622/mo
Today · 4.125%
HK$101,572
baseline
▲ 0.50% · 4.625%
HK$106,926
+HK$5,354/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,144/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,427 · Scale 2, in force from 26 Feb 2026)