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$48,132
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,629
−HK$1,521/mo
Today · 4.125%
HK$51,150
baseline
▲ 0.50% · 4.625%
HK$54,263
+HK$3,113/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,300/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,546
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,982
−HK$1,457/mo
Today · 4.125%
HK$56,439
baseline
▲ 0.50% · 4.625%
HK$59,414
+HK$2,975/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,878/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,758
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,555
−HK$1,825/mo
Today · 4.125%
HK$61,380
baseline
▲ 0.50% · 4.625%
HK$65,115
+HK$3,735/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,760/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,256
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,979
−HK$1,748/mo
Today · 4.125%
HK$67,727
baseline
▲ 0.50% · 4.625%
HK$71,297
+HK$3,570/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,454/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,385
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,481
−HK$2,129/mo
Today · 4.125%
HK$71,610
baseline
▲ 0.50% · 4.625%
HK$75,968
+HK$4,358/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$143,220/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,965
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,975
−HK$2,040/mo
Today · 4.125%
HK$79,015
baseline
▲ 0.50% · 4.625%
HK$83,180
+HK$4,165/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$158,030/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,638
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,333
−HK$2,738/mo
Today · 4.125%
HK$92,071
baseline
▲ 0.50% · 4.625%
HK$97,673
+HK$5,602/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,142/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,384
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,968
−HK$2,623/mo
Today · 4.125%
HK$101,591
baseline
▲ 0.50% · 4.625%
HK$106,946
+HK$5,355/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,182/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,817 · Scale 2, in force from 26 Feb 2026)