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$48,076
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,571
−HK$1,519/mo
Today · 4.125%
HK$51,090
baseline
▲ 0.50% · 4.625%
HK$54,199
+HK$3,109/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,180/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,484
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,918
−HK$1,455/mo
Today · 4.125%
HK$56,373
baseline
▲ 0.50% · 4.625%
HK$59,345
+HK$2,972/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,746/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,691
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,485
−HK$1,823/mo
Today · 4.125%
HK$61,308
baseline
▲ 0.50% · 4.625%
HK$65,039
+HK$3,731/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,616/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,180
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,902
−HK$1,746/mo
Today · 4.125%
HK$67,648
baseline
▲ 0.50% · 4.625%
HK$71,214
+HK$3,566/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,296/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,306
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,399
−HK$2,128/mo
Today · 4.125%
HK$71,527
baseline
▲ 0.50% · 4.625%
HK$75,879
+HK$4,352/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$143,054/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,877
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,885
−HK$2,038/mo
Today · 4.125%
HK$78,923
baseline
▲ 0.50% · 4.625%
HK$83,083
+HK$4,160/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$157,846/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,536
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,228
−HK$2,735/mo
Today · 4.125%
HK$91,963
baseline
▲ 0.50% · 4.625%
HK$97,558
+HK$5,595/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$183,926/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,271
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,853
−HK$2,619/mo
Today · 4.125%
HK$101,472
baseline
▲ 0.50% · 4.625%
HK$106,821
+HK$5,349/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$202,944/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,344 · Scale 2, in force from 26 Feb 2026)