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$48,172
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,671
−HK$1,522/mo
Today · 4.125%
HK$51,193
baseline
▲ 0.50% · 4.625%
HK$54,308
+HK$3,115/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,386/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,591
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,029
−HK$1,458/mo
Today · 4.125%
HK$56,487
baseline
▲ 0.50% · 4.625%
HK$59,464
+HK$2,977/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,974/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,807
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,605
−HK$1,827/mo
Today · 4.125%
HK$61,432
baseline
▲ 0.50% · 4.625%
HK$65,170
+HK$3,738/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,864/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,310
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,034
−HK$1,750/mo
Today · 4.125%
HK$67,784
baseline
▲ 0.50% · 4.625%
HK$71,357
+HK$3,573/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,568/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,441
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,539
−HK$2,132/mo
Today · 4.125%
HK$71,671
baseline
▲ 0.50% · 4.625%
HK$76,032
+HK$4,361/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,342/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,028
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,040
−HK$2,041/mo
Today · 4.125%
HK$79,081
baseline
▲ 0.50% · 4.625%
HK$83,250
+HK$4,169/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,162/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,710
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,408
−HK$2,740/mo
Today · 4.125%
HK$92,148
baseline
▲ 0.50% · 4.625%
HK$97,755
+HK$5,607/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,296/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,464
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,052
−HK$2,624/mo
Today · 4.125%
HK$101,676
baseline
▲ 0.50% · 4.625%
HK$107,036
+HK$5,360/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,352/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,590 · Scale 2, in force from 26 Feb 2026)