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$48,104
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,600
−HK$1,520/mo
Today · 4.125%
HK$51,120
baseline
▲ 0.50% · 4.625%
HK$54,231
+HK$3,111/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,240/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,515
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,950
−HK$1,456/mo
Today · 4.125%
HK$56,406
baseline
▲ 0.50% · 4.625%
HK$59,379
+HK$2,973/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,812/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,725
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,520
−HK$1,824/mo
Today · 4.125%
HK$61,344
baseline
▲ 0.50% · 4.625%
HK$65,077
+HK$3,733/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,688/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,218
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,940
−HK$1,747/mo
Today · 4.125%
HK$67,687
baseline
▲ 0.50% · 4.625%
HK$71,255
+HK$3,568/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,374/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,345
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,440
−HK$2,128/mo
Today · 4.125%
HK$71,568
baseline
▲ 0.50% · 4.625%
HK$75,923
+HK$4,355/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,136/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,921
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,930
−HK$2,039/mo
Today · 4.125%
HK$78,969
baseline
▲ 0.50% · 4.625%
HK$83,131
+HK$4,162/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,938/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,587
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,280
−HK$2,737/mo
Today · 4.125%
HK$92,017
baseline
▲ 0.50% · 4.625%
HK$97,616
+HK$5,599/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,034/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,327
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,910
−HK$2,621/mo
Today · 4.125%
HK$101,531
baseline
▲ 0.50% · 4.625%
HK$106,883
+HK$5,352/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,062/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,579 · Scale 2, in force from 26 Feb 2026)