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$48,070
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,565
−HK$1,519/mo
Today · 4.125%
HK$51,084
baseline
▲ 0.50% · 4.625%
HK$54,192
+HK$3,108/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,168/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,477
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,911
−HK$1,455/mo
Today · 4.125%
HK$56,366
baseline
▲ 0.50% · 4.625%
HK$59,337
+HK$2,971/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,732/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,683
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,478
−HK$1,823/mo
Today · 4.125%
HK$61,301
baseline
▲ 0.50% · 4.625%
HK$65,031
+HK$3,730/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,602/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,172
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,893
−HK$1,746/mo
Today · 4.125%
HK$67,639
baseline
▲ 0.50% · 4.625%
HK$71,205
+HK$3,566/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,278/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,297
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,391
−HK$2,126/mo
Today · 4.125%
HK$71,517
baseline
▲ 0.50% · 4.625%
HK$75,869
+HK$4,352/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$143,034/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,868
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,876
−HK$2,036/mo
Today · 4.125%
HK$78,912
baseline
▲ 0.50% · 4.625%
HK$83,072
+HK$4,160/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$157,824/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,525
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,217
−HK$2,734/mo
Today · 4.125%
HK$91,951
baseline
▲ 0.50% · 4.625%
HK$97,546
+HK$5,595/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$183,902/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,258
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,840
−HK$2,619/mo
Today · 4.125%
HK$101,459
baseline
▲ 0.50% · 4.625%
HK$106,807
+HK$5,348/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$202,918/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,076 · Scale 2, in force from 26 Feb 2026)