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$48,050
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,545
−HK$1,518/mo
Today · 4.125%
HK$51,063
baseline
▲ 0.50% · 4.625%
HK$54,170
+HK$3,107/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,126/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$857,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,455
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,889
−HK$1,454/mo
Today · 4.125%
HK$56,343
baseline
▲ 0.50% · 4.625%
HK$59,313
+HK$2,970/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,686/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$857,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,660
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,453
−HK$1,823/mo
Today · 4.125%
HK$61,276
baseline
▲ 0.50% · 4.625%
HK$65,004
+HK$3,728/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$122,552/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,146
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,866
−HK$1,746/mo
Today · 4.125%
HK$67,612
baseline
▲ 0.50% · 4.625%
HK$71,176
+HK$3,564/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$135,224/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,270
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,362
−HK$2,126/mo
Today · 4.125%
HK$71,488
baseline
▲ 0.50% · 4.625%
HK$75,838
+HK$4,350/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$142,976/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,837
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,844
−HK$2,036/mo
Today · 4.125%
HK$78,880
baseline
▲ 0.50% · 4.625%
HK$83,038
+HK$4,158/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,760/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,490
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,180
−HK$2,734/mo
Today · 4.125%
HK$91,914
baseline
▲ 0.50% · 4.625%
HK$97,506
+HK$5,592/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$183,828/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$857,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,219
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,800
−HK$2,618/mo
Today · 4.125%
HK$101,418
baseline
▲ 0.50% · 4.625%
HK$106,763
+HK$5,345/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$202,836/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$857,217 · Scale 2, in force from 26 Feb 2026)