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$48,071
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,566
−HK$1,520/mo
Today · 4.125%
HK$51,086
baseline
▲ 0.50% · 4.625%
HK$54,194
+HK$3,108/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,172/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,479
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,913
−HK$1,455/mo
Today · 4.125%
HK$56,368
baseline
▲ 0.50% · 4.625%
HK$59,339
+HK$2,971/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,736/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,685
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,480
−HK$1,823/mo
Today · 4.125%
HK$61,303
baseline
▲ 0.50% · 4.625%
HK$65,033
+HK$3,730/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,606/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,174
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,895
−HK$1,746/mo
Today · 4.125%
HK$67,641
baseline
▲ 0.50% · 4.625%
HK$71,207
+HK$3,566/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,282/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,299
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,393
−HK$2,127/mo
Today · 4.125%
HK$71,520
baseline
▲ 0.50% · 4.625%
HK$75,872
+HK$4,352/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$143,040/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,870
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,878
−HK$2,037/mo
Today · 4.125%
HK$78,915
baseline
▲ 0.50% · 4.625%
HK$83,075
+HK$4,160/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$157,830/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,528
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,219
−HK$2,735/mo
Today · 4.125%
HK$91,954
baseline
▲ 0.50% · 4.625%
HK$97,549
+HK$5,595/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$183,908/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,261
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,843
−HK$2,619/mo
Today · 4.125%
HK$101,462
baseline
▲ 0.50% · 4.625%
HK$106,810
+HK$5,348/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$202,924/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,142 · Scale 2, in force from 26 Feb 2026)