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$48,118
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,615
−HK$1,521/mo
Today · 4.125%
HK$51,136
baseline
▲ 0.50% · 4.625%
HK$54,247
+HK$3,111/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,272/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,531
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,967
−HK$1,456/mo
Today · 4.125%
HK$56,423
baseline
▲ 0.50% · 4.625%
HK$59,398
+HK$2,975/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,846/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,742
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,538
−HK$1,825/mo
Today · 4.125%
HK$61,363
baseline
▲ 0.50% · 4.625%
HK$65,097
+HK$3,734/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,726/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,238
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,960
−HK$1,748/mo
Today · 4.125%
HK$67,708
baseline
▲ 0.50% · 4.625%
HK$71,277
+HK$3,569/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,416/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,366
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,461
−HK$2,129/mo
Today · 4.125%
HK$71,590
baseline
▲ 0.50% · 4.625%
HK$75,946
+HK$4,356/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,180/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,944
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,954
−HK$2,039/mo
Today · 4.125%
HK$78,993
baseline
▲ 0.50% · 4.625%
HK$83,157
+HK$4,164/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,986/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,613
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,307
−HK$2,738/mo
Today · 4.125%
HK$92,045
baseline
▲ 0.50% · 4.625%
HK$97,645
+HK$5,600/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,090/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,356
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,941
−HK$2,621/mo
Today · 4.125%
HK$101,562
baseline
▲ 0.50% · 4.625%
HK$106,916
+HK$5,354/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,124/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,222 · Scale 2, in force from 26 Feb 2026)