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$48,116
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,613
−HK$1,520/mo
Today · 4.125%
HK$51,133
baseline
▲ 0.50% · 4.625%
HK$54,245
+HK$3,112/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,266/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,529
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,964
−HK$1,457/mo
Today · 4.125%
HK$56,421
baseline
▲ 0.50% · 4.625%
HK$59,395
+HK$2,974/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,842/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$860,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,739
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,535
−HK$1,825/mo
Today · 4.125%
HK$61,360
baseline
▲ 0.50% · 4.625%
HK$65,094
+HK$3,734/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,720/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,234
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,957
−HK$1,748/mo
Today · 4.125%
HK$67,705
baseline
▲ 0.50% · 4.625%
HK$71,274
+HK$3,569/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,410/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,363
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,458
−HK$2,129/mo
Today · 4.125%
HK$71,587
baseline
▲ 0.50% · 4.625%
HK$75,943
+HK$4,356/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,174/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,940
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,950
−HK$2,039/mo
Today · 4.125%
HK$78,989
baseline
▲ 0.50% · 4.625%
HK$83,153
+HK$4,164/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,978/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,609
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,303
−HK$2,737/mo
Today · 4.125%
HK$92,040
baseline
▲ 0.50% · 4.625%
HK$97,641
+HK$5,601/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,080/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,352
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,936
−HK$2,621/mo
Today · 4.125%
HK$101,557
baseline
▲ 0.50% · 4.625%
HK$106,910
+HK$5,353/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,114/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,117 · Scale 2, in force from 26 Feb 2026)