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$48,111
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,608
−HK$1,520/mo
Today · 4.125%
HK$51,128
baseline
▲ 0.50% · 4.625%
HK$54,239
+HK$3,111/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,256/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,523
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,959
−HK$1,456/mo
Today · 4.125%
HK$56,415
baseline
▲ 0.50% · 4.625%
HK$59,389
+HK$2,974/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,830/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,734
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,529
−HK$1,825/mo
Today · 4.125%
HK$61,354
baseline
▲ 0.50% · 4.625%
HK$65,087
+HK$3,733/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,708/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,228
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,951
−HK$1,747/mo
Today · 4.125%
HK$67,698
baseline
▲ 0.50% · 4.625%
HK$71,267
+HK$3,569/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,396/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,356
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,451
−HK$2,129/mo
Today · 4.125%
HK$71,580
baseline
▲ 0.50% · 4.625%
HK$75,935
+HK$4,355/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,160/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,933
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,942
−HK$2,039/mo
Today · 4.125%
HK$78,981
baseline
▲ 0.50% · 4.625%
HK$83,144
+HK$4,163/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,962/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,600
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,294
−HK$2,737/mo
Today · 4.125%
HK$92,031
baseline
▲ 0.50% · 4.625%
HK$97,631
+HK$5,600/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,062/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,342
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,926
−HK$2,621/mo
Today · 4.125%
HK$101,547
baseline
▲ 0.50% · 4.625%
HK$106,900
+HK$5,353/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,094/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,909 · Scale 2, in force from 26 Feb 2026)