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$48,065
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,560
−HK$1,519/mo
Today · 4.125%
HK$51,079
baseline
▲ 0.50% · 4.625%
HK$54,187
+HK$3,108/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,158/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$857,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,471
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,905
−HK$1,455/mo
Today · 4.125%
HK$56,360
baseline
▲ 0.50% · 4.625%
HK$59,331
+HK$2,971/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,720/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$857,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,677
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,472
−HK$1,822/mo
Today · 4.125%
HK$61,294
baseline
▲ 0.50% · 4.625%
HK$65,024
+HK$3,730/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,588/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,166
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,887
−HK$1,745/mo
Today · 4.125%
HK$67,632
baseline
▲ 0.50% · 4.625%
HK$71,197
+HK$3,565/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,264/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,290
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,384
−HK$2,126/mo
Today · 4.125%
HK$71,510
baseline
▲ 0.50% · 4.625%
HK$75,861
+HK$4,351/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$143,020/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,860
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,868
−HK$2,036/mo
Today · 4.125%
HK$78,904
baseline
▲ 0.50% · 4.625%
HK$83,064
+HK$4,160/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$157,808/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,516
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,207
−HK$2,735/mo
Today · 4.125%
HK$91,942
baseline
▲ 0.50% · 4.625%
HK$97,536
+HK$5,594/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$183,884/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$857,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,248
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,830
−HK$2,618/mo
Today · 4.125%
HK$101,448
baseline
▲ 0.50% · 4.625%
HK$106,796
+HK$5,348/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$202,896/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$857,859 · Scale 2, in force from 26 Feb 2026)