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$48,380
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,885
−HK$1,529/mo
Today · 4.125%
HK$51,414
baseline
▲ 0.50% · 4.625%
HK$54,542
+HK$3,128/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,828/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,822
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,266
−HK$1,464/mo
Today · 4.125%
HK$56,730
baseline
▲ 0.50% · 4.625%
HK$59,720
+HK$2,990/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,460/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,056
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,862
−HK$1,834/mo
Today · 4.125%
HK$61,696
baseline
▲ 0.50% · 4.625%
HK$65,451
+HK$3,755/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,392/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,587
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,319
−HK$1,757/mo
Today · 4.125%
HK$68,076
baseline
▲ 0.50% · 4.625%
HK$71,664
+HK$3,588/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,152/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,732
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,839
−HK$2,140/mo
Today · 4.125%
HK$71,979
baseline
▲ 0.50% · 4.625%
HK$76,359
+HK$4,380/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$143,958/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,351
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,372
−HK$2,050/mo
Today · 4.125%
HK$79,422
baseline
▲ 0.50% · 4.625%
HK$83,608
+HK$4,186/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$158,844/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,084
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,793
−HK$2,752/mo
Today · 4.125%
HK$92,545
baseline
▲ 0.50% · 4.625%
HK$98,176
+HK$5,631/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,090/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,880
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,478
−HK$2,636/mo
Today · 4.125%
HK$102,114
baseline
▲ 0.50% · 4.625%
HK$107,497
+HK$5,383/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,228/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,687 · Scale 2, in force from 26 Feb 2026)