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$48,180
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,679
−HK$1,522/mo
Today · 4.125%
HK$51,201
baseline
▲ 0.50% · 4.625%
HK$54,317
+HK$3,116/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,402/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,600
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,037
−HK$1,459/mo
Today · 4.125%
HK$56,496
baseline
▲ 0.50% · 4.625%
HK$59,474
+HK$2,978/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,992/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,816
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,614
−HK$1,828/mo
Today · 4.125%
HK$61,442
baseline
▲ 0.50% · 4.625%
HK$65,180
+HK$3,738/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,884/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,320
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,045
−HK$1,750/mo
Today · 4.125%
HK$67,795
baseline
▲ 0.50% · 4.625%
HK$71,368
+HK$3,573/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,590/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,452
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,550
−HK$2,132/mo
Today · 4.125%
HK$71,682
baseline
▲ 0.50% · 4.625%
HK$76,044
+HK$4,362/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,364/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,040
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,052
−HK$2,042/mo
Today · 4.125%
HK$79,094
baseline
▲ 0.50% · 4.625%
HK$83,263
+HK$4,169/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,188/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,724
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,422
−HK$2,740/mo
Today · 4.125%
HK$92,162
baseline
▲ 0.50% · 4.625%
HK$97,770
+HK$5,608/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,324/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,480
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,067
−HK$2,625/mo
Today · 4.125%
HK$101,692
baseline
▲ 0.50% · 4.625%
HK$107,052
+HK$5,360/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,384/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,921 · Scale 2, in force from 26 Feb 2026)