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$48,107
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,603
−HK$1,520/mo
Today · 4.125%
HK$51,123
baseline
▲ 0.50% · 4.625%
HK$54,234
+HK$3,111/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,246/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,518
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,953
−HK$1,457/mo
Today · 4.125%
HK$56,410
baseline
▲ 0.50% · 4.625%
HK$59,383
+HK$2,973/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,820/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,728
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,524
−HK$1,824/mo
Today · 4.125%
HK$61,348
baseline
▲ 0.50% · 4.625%
HK$65,081
+HK$3,733/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,696/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,222
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,944
−HK$1,747/mo
Today · 4.125%
HK$67,691
baseline
▲ 0.50% · 4.625%
HK$71,260
+HK$3,569/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,382/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,349
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,444
−HK$2,129/mo
Today · 4.125%
HK$71,573
baseline
▲ 0.50% · 4.625%
HK$75,928
+HK$4,355/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,146/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,925
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,935
−HK$2,038/mo
Today · 4.125%
HK$78,973
baseline
▲ 0.50% · 4.625%
HK$83,136
+HK$4,163/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,946/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,592
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,285
−HK$2,737/mo
Today · 4.125%
HK$92,022
baseline
▲ 0.50% · 4.625%
HK$97,621
+HK$5,599/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,044/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,333
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,916
−HK$2,621/mo
Today · 4.125%
HK$101,537
baseline
▲ 0.50% · 4.625%
HK$106,889
+HK$5,352/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,074/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,704 · Scale 2, in force from 26 Feb 2026)