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$48,156
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,653
−HK$1,522/mo
Today · 4.125%
HK$51,175
baseline
▲ 0.50% · 4.625%
HK$54,289
+HK$3,114/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,350/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,573
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,009
−HK$1,458/mo
Today · 4.125%
HK$56,467
baseline
▲ 0.50% · 4.625%
HK$59,443
+HK$2,976/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,934/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,787
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,584
−HK$1,826/mo
Today · 4.125%
HK$61,410
baseline
▲ 0.50% · 4.625%
HK$65,147
+HK$3,737/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,820/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,287
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,011
−HK$1,749/mo
Today · 4.125%
HK$67,760
baseline
▲ 0.50% · 4.625%
HK$71,332
+HK$3,572/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,520/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,418
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,515
−HK$2,130/mo
Today · 4.125%
HK$71,645
baseline
▲ 0.50% · 4.625%
HK$76,005
+HK$4,360/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$143,290/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,002
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,013
−HK$2,041/mo
Today · 4.125%
HK$79,054
baseline
▲ 0.50% · 4.625%
HK$83,221
+HK$4,167/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$158,108/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,680
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,376
−HK$2,740/mo
Today · 4.125%
HK$92,116
baseline
▲ 0.50% · 4.625%
HK$97,721
+HK$5,605/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,232/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,431
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,017
−HK$2,623/mo
Today · 4.125%
HK$101,640
baseline
▲ 0.50% · 4.625%
HK$106,998
+HK$5,358/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,280/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,848 · Scale 2, in force from 26 Feb 2026)