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$48,102
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,599
−HK$1,520/mo
Today · 4.125%
HK$51,119
baseline
▲ 0.50% · 4.625%
HK$54,229
+HK$3,110/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,238/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,513
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,948
−HK$1,456/mo
Today · 4.125%
HK$56,404
baseline
▲ 0.50% · 4.625%
HK$59,378
+HK$2,974/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,808/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,723
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,518
−HK$1,824/mo
Today · 4.125%
HK$61,342
baseline
▲ 0.50% · 4.625%
HK$65,075
+HK$3,733/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,684/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,216
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,938
−HK$1,747/mo
Today · 4.125%
HK$67,685
baseline
▲ 0.50% · 4.625%
HK$71,253
+HK$3,568/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,370/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,343
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,438
−HK$2,128/mo
Today · 4.125%
HK$71,566
baseline
▲ 0.50% · 4.625%
HK$75,921
+HK$4,355/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,132/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,919
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,928
−HK$2,038/mo
Today · 4.125%
HK$78,966
baseline
▲ 0.50% · 4.625%
HK$83,129
+HK$4,163/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,932/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,584
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,277
−HK$2,737/mo
Today · 4.125%
HK$92,014
baseline
▲ 0.50% · 4.625%
HK$97,612
+HK$5,598/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,028/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,324
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,907
−HK$2,621/mo
Today · 4.125%
HK$101,528
baseline
▲ 0.50% · 4.625%
HK$106,880
+HK$5,352/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,056/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,512 · Scale 2, in force from 26 Feb 2026)