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$48,126
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,623
−HK$1,521/mo
Today · 4.125%
HK$51,144
baseline
▲ 0.50% · 4.625%
HK$54,256
+HK$3,112/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,288/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,540
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,976
−HK$1,456/mo
Today · 4.125%
HK$56,432
baseline
▲ 0.50% · 4.625%
HK$59,407
+HK$2,975/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,864/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,751
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,548
−HK$1,825/mo
Today · 4.125%
HK$61,373
baseline
▲ 0.50% · 4.625%
HK$65,107
+HK$3,734/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,746/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,248
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,971
−HK$1,748/mo
Today · 4.125%
HK$67,719
baseline
▲ 0.50% · 4.625%
HK$71,289
+HK$3,570/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,438/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,377
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,472
−HK$2,130/mo
Today · 4.125%
HK$71,602
baseline
▲ 0.50% · 4.625%
HK$75,959
+HK$4,357/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,204/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,956
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,966
−HK$2,039/mo
Today · 4.125%
HK$79,005
baseline
▲ 0.50% · 4.625%
HK$83,170
+HK$4,165/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$158,010/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,627
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,322
−HK$2,737/mo
Today · 4.125%
HK$92,059
baseline
▲ 0.50% · 4.625%
HK$97,661
+HK$5,602/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,118/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,372
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,956
−HK$2,622/mo
Today · 4.125%
HK$101,578
baseline
▲ 0.50% · 4.625%
HK$106,933
+HK$5,355/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,156/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,560 · Scale 2, in force from 26 Feb 2026)