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$48,096
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,592
−HK$1,520/mo
Today · 4.125%
HK$51,112
baseline
▲ 0.50% · 4.625%
HK$54,222
+HK$3,110/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,224/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,507
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,942
−HK$1,456/mo
Today · 4.125%
HK$56,398
baseline
▲ 0.50% · 4.625%
HK$59,370
+HK$2,972/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,796/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,716
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,511
−HK$1,824/mo
Today · 4.125%
HK$61,335
baseline
▲ 0.50% · 4.625%
HK$65,067
+HK$3,732/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,670/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,208
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,930
−HK$1,747/mo
Today · 4.125%
HK$67,677
baseline
▲ 0.50% · 4.625%
HK$71,244
+HK$3,567/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,354/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,335
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,429
−HK$2,128/mo
Today · 4.125%
HK$71,557
baseline
▲ 0.50% · 4.625%
HK$75,911
+HK$4,354/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$143,114/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,909
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,918
−HK$2,039/mo
Today · 4.125%
HK$78,957
baseline
▲ 0.50% · 4.625%
HK$83,118
+HK$4,161/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$157,914/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,573
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,266
−HK$2,736/mo
Today · 4.125%
HK$92,002
baseline
▲ 0.50% · 4.625%
HK$97,600
+HK$5,598/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$184,004/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,312
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,895
−HK$2,621/mo
Today · 4.125%
HK$101,516
baseline
▲ 0.50% · 4.625%
HK$106,867
+HK$5,351/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$203,032/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,252 · Scale 2, in force from 26 Feb 2026)