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$48,080
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,576
−HK$1,519/mo
Today · 4.125%
HK$51,095
baseline
▲ 0.50% · 4.625%
HK$54,204
+HK$3,109/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,190/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,489
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,923
−HK$1,456/mo
Today · 4.125%
HK$56,379
baseline
▲ 0.50% · 4.625%
HK$59,350
+HK$2,971/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,758/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,696
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,491
−HK$1,823/mo
Today · 4.125%
HK$61,314
baseline
▲ 0.50% · 4.625%
HK$65,045
+HK$3,731/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,628/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,186
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,908
−HK$1,746/mo
Today · 4.125%
HK$67,654
baseline
▲ 0.50% · 4.625%
HK$71,220
+HK$3,566/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,308/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,312
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,406
−HK$2,127/mo
Today · 4.125%
HK$71,533
baseline
▲ 0.50% · 4.625%
HK$75,886
+HK$4,353/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$143,066/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,884
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,893
−HK$2,037/mo
Today · 4.125%
HK$78,930
baseline
▲ 0.50% · 4.625%
HK$83,090
+HK$4,160/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$157,860/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,544
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,236
−HK$2,735/mo
Today · 4.125%
HK$91,971
baseline
▲ 0.50% · 4.625%
HK$97,568
+HK$5,597/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$183,942/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,280
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,862
−HK$2,619/mo
Today · 4.125%
HK$101,481
baseline
▲ 0.50% · 4.625%
HK$106,831
+HK$5,350/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$202,962/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,543 · Scale 2, in force from 26 Feb 2026)