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$48,134
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,632
−HK$1,521/mo
Today · 4.125%
HK$51,153
baseline
▲ 0.50% · 4.625%
HK$54,265
+HK$3,112/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,306/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$860,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,549
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,985
−HK$1,457/mo
Today · 4.125%
HK$56,442
baseline
▲ 0.50% · 4.625%
HK$59,417
+HK$2,975/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,884/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$860,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,761
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,558
−HK$1,825/mo
Today · 4.125%
HK$61,383
baseline
▲ 0.50% · 4.625%
HK$65,118
+HK$3,735/mo
Deposit HK$8.44M · loan HK$12.67M · min. income ≈ HK$122,766/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,259
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,982
−HK$1,748/mo
Today · 4.125%
HK$67,730
baseline
▲ 0.50% · 4.625%
HK$71,301
+HK$3,571/mo
Deposit HK$8.44M · loan HK$12.67M · min. income ≈ HK$135,460/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,388
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,484
−HK$2,130/mo
Today · 4.125%
HK$71,614
baseline
▲ 0.50% · 4.625%
HK$75,971
+HK$4,357/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$143,228/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,968
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,979
−HK$2,040/mo
Today · 4.125%
HK$79,019
baseline
▲ 0.50% · 4.625%
HK$83,184
+HK$4,165/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$158,038/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,642
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,337
−HK$2,738/mo
Today · 4.125%
HK$92,075
baseline
▲ 0.50% · 4.625%
HK$97,677
+HK$5,602/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,150/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,388
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$98,973
−HK$2,623/mo
Today · 4.125%
HK$101,596
baseline
▲ 0.50% · 4.625%
HK$106,951
+HK$5,355/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,192/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,916 · Scale 2, in force from 26 Feb 2026)