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$48,156
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,654
−HK$1,522/mo
Today · 4.125%
HK$51,176
baseline
▲ 0.50% · 4.625%
HK$54,290
+HK$3,114/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,352/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,573
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,010
−HK$1,458/mo
Today · 4.125%
HK$56,468
baseline
▲ 0.50% · 4.625%
HK$59,444
+HK$2,976/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,936/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,787
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,585
−HK$1,826/mo
Today · 4.125%
HK$61,411
baseline
▲ 0.50% · 4.625%
HK$65,148
+HK$3,737/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,822/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,288
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,012
−HK$1,749/mo
Today · 4.125%
HK$67,761
baseline
▲ 0.50% · 4.625%
HK$71,333
+HK$3,572/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,522/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,419
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,516
−HK$2,130/mo
Today · 4.125%
HK$71,646
baseline
▲ 0.50% · 4.625%
HK$76,006
+HK$4,360/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$143,292/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,003
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,014
−HK$2,041/mo
Today · 4.125%
HK$79,055
baseline
▲ 0.50% · 4.625%
HK$83,222
+HK$4,167/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$158,110/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,681
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,377
−HK$2,740/mo
Today · 4.125%
HK$92,117
baseline
▲ 0.50% · 4.625%
HK$97,722
+HK$5,605/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,234/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,432
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,018
−HK$2,624/mo
Today · 4.125%
HK$101,642
baseline
▲ 0.50% · 4.625%
HK$107,000
+HK$5,358/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,284/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,877 · Scale 2, in force from 26 Feb 2026)