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$48,088
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,584
−HK$1,520/mo
Today · 4.125%
HK$51,104
baseline
▲ 0.50% · 4.625%
HK$54,213
+HK$3,109/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,208/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,497
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,932
−HK$1,456/mo
Today · 4.125%
HK$56,388
baseline
▲ 0.50% · 4.625%
HK$59,360
+HK$2,972/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,776/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,706
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,501
−HK$1,823/mo
Today · 4.125%
HK$61,324
baseline
▲ 0.50% · 4.625%
HK$65,056
+HK$3,732/mo
Deposit HK$8.44M · loan HK$12.65M · min. income ≈ HK$122,648/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,197
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,919
−HK$1,746/mo
Today · 4.125%
HK$67,665
baseline
▲ 0.50% · 4.625%
HK$71,232
+HK$3,567/mo
Deposit HK$8.44M · loan HK$12.65M · min. income ≈ HK$135,330/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,323
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,417
−HK$2,128/mo
Today · 4.125%
HK$71,545
baseline
▲ 0.50% · 4.625%
HK$75,898
+HK$4,353/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$143,090/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$858,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,896
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,905
−HK$2,038/mo
Today · 4.125%
HK$78,943
baseline
▲ 0.50% · 4.625%
HK$83,104
+HK$4,161/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$157,886/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$858,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,559
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,251
−HK$2,735/mo
Today · 4.125%
HK$91,986
baseline
▲ 0.50% · 4.625%
HK$97,584
+HK$5,598/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$183,972/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,295
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,878
−HK$2,620/mo
Today · 4.125%
HK$101,498
baseline
▲ 0.50% · 4.625%
HK$106,848
+HK$5,350/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$202,996/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,889 · Scale 2, in force from 26 Feb 2026)