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$48,128
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,625
−HK$1,521/mo
Today · 4.125%
HK$51,146
baseline
▲ 0.50% · 4.625%
HK$54,258
+HK$3,112/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,292/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,542
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,977
−HK$1,457/mo
Today · 4.125%
HK$56,434
baseline
▲ 0.50% · 4.625%
HK$59,409
+HK$2,975/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,868/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,753
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,550
−HK$1,825/mo
Today · 4.125%
HK$61,375
baseline
▲ 0.50% · 4.625%
HK$65,109
+HK$3,734/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,750/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,250
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,973
−HK$1,748/mo
Today · 4.125%
HK$67,721
baseline
▲ 0.50% · 4.625%
HK$71,291
+HK$3,570/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,442/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,379
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,475
−HK$2,129/mo
Today · 4.125%
HK$71,604
baseline
▲ 0.50% · 4.625%
HK$75,961
+HK$4,357/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,208/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,958
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,968
−HK$2,040/mo
Today · 4.125%
HK$79,008
baseline
▲ 0.50% · 4.625%
HK$83,172
+HK$4,164/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$158,016/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,630
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,324
−HK$2,738/mo
Today · 4.125%
HK$92,062
baseline
▲ 0.50% · 4.625%
HK$97,664
+HK$5,602/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,124/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,375
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,959
−HK$2,623/mo
Today · 4.125%
HK$101,582
baseline
▲ 0.50% · 4.625%
HK$106,936
+HK$5,354/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,164/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,624 · Scale 2, in force from 26 Feb 2026)