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$48,144
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,642
−HK$1,521/mo
Today · 4.125%
HK$51,163
baseline
▲ 0.50% · 4.625%
HK$54,277
+HK$3,114/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,326/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,560
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,997
−HK$1,457/mo
Today · 4.125%
HK$56,454
baseline
▲ 0.50% · 4.625%
HK$59,430
+HK$2,976/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,908/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,773
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,570
−HK$1,826/mo
Today · 4.125%
HK$61,396
baseline
▲ 0.50% · 4.625%
HK$65,132
+HK$3,736/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,792/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,272
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$65,996
−HK$1,749/mo
Today · 4.125%
HK$67,745
baseline
▲ 0.50% · 4.625%
HK$71,316
+HK$3,571/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,490/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,402
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,499
−HK$2,130/mo
Today · 4.125%
HK$71,629
baseline
▲ 0.50% · 4.625%
HK$75,987
+HK$4,358/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$143,258/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,984
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,995
−HK$2,040/mo
Today · 4.125%
HK$79,035
baseline
▲ 0.50% · 4.625%
HK$83,201
+HK$4,166/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$158,070/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,660
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$89,356
−HK$2,738/mo
Today · 4.125%
HK$92,094
baseline
▲ 0.50% · 4.625%
HK$97,698
+HK$5,604/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,188/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,408
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$98,994
−HK$2,623/mo
Today · 4.125%
HK$101,617
baseline
▲ 0.50% · 4.625%
HK$106,973
+HK$5,356/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,234/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,360 · Scale 2, in force from 26 Feb 2026)