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$48,148
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,646
−HK$1,521/mo
Today · 4.125%
HK$51,167
baseline
▲ 0.50% · 4.625%
HK$54,281
+HK$3,114/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,334/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,564
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,001
−HK$1,457/mo
Today · 4.125%
HK$56,458
baseline
▲ 0.50% · 4.625%
HK$59,434
+HK$2,976/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,916/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$861,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,777
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,575
−HK$1,826/mo
Today · 4.125%
HK$61,401
baseline
▲ 0.50% · 4.625%
HK$65,137
+HK$3,736/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,802/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,277
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,001
−HK$1,749/mo
Today · 4.125%
HK$67,750
baseline
▲ 0.50% · 4.625%
HK$71,321
+HK$3,571/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,500/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$861,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,407
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,504
−HK$2,130/mo
Today · 4.125%
HK$71,634
baseline
▲ 0.50% · 4.625%
HK$75,993
+HK$4,359/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$143,268/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,990
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$77,001
−HK$2,040/mo
Today · 4.125%
HK$79,041
baseline
▲ 0.50% · 4.625%
HK$83,207
+HK$4,166/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$158,082/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$861,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,666
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,362
−HK$2,739/mo
Today · 4.125%
HK$92,101
baseline
▲ 0.50% · 4.625%
HK$97,705
+HK$5,604/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,202/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,415
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,001
−HK$2,623/mo
Today · 4.125%
HK$101,624
baseline
▲ 0.50% · 4.625%
HK$106,981
+HK$5,357/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,248/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$861,512 · Scale 2, in force from 26 Feb 2026)