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$48,108
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,604
−HK$1,521/mo
Today · 4.125%
HK$51,125
baseline
▲ 0.50% · 4.625%
HK$54,235
+HK$3,110/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,250/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,519
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,955
−HK$1,456/mo
Today · 4.125%
HK$56,411
baseline
▲ 0.50% · 4.625%
HK$59,384
+HK$2,973/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,822/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,729
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,525
−HK$1,825/mo
Today · 4.125%
HK$61,350
baseline
▲ 0.50% · 4.625%
HK$65,082
+HK$3,732/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,700/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,223
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,946
−HK$1,747/mo
Today · 4.125%
HK$67,693
baseline
▲ 0.50% · 4.625%
HK$71,261
+HK$3,568/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,386/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,351
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,446
−HK$2,128/mo
Today · 4.125%
HK$71,574
baseline
▲ 0.50% · 4.625%
HK$75,930
+HK$4,356/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,148/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,927
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,937
−HK$2,038/mo
Today · 4.125%
HK$78,975
baseline
▲ 0.50% · 4.625%
HK$83,138
+HK$4,163/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,950/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,594
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,288
−HK$2,736/mo
Today · 4.125%
HK$92,024
baseline
▲ 0.50% · 4.625%
HK$97,624
+HK$5,600/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,048/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,335
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,919
−HK$2,621/mo
Today · 4.125%
HK$101,540
baseline
▲ 0.50% · 4.625%
HK$106,892
+HK$5,352/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,080/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,755 · Scale 2, in force from 26 Feb 2026)