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$48,384
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,889
−HK$1,529/mo
Today · 4.125%
HK$51,418
baseline
▲ 0.50% · 4.625%
HK$54,547
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,836/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,827
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,271
−HK$1,464/mo
Today · 4.125%
HK$56,735
baseline
▲ 0.50% · 4.625%
HK$59,726
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,470/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,061
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,867
−HK$1,835/mo
Today · 4.125%
HK$61,702
baseline
▲ 0.50% · 4.625%
HK$65,456
+HK$3,754/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,404/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,592
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,325
−HK$1,757/mo
Today · 4.125%
HK$68,082
baseline
▲ 0.50% · 4.625%
HK$71,671
+HK$3,589/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,164/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,738
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,845
−HK$2,141/mo
Today · 4.125%
HK$71,986
baseline
▲ 0.50% · 4.625%
HK$76,366
+HK$4,380/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$143,972/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,358
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,379
−HK$2,050/mo
Today · 4.125%
HK$79,429
baseline
▲ 0.50% · 4.625%
HK$83,616
+HK$4,187/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$158,858/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,092
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,801
−HK$2,752/mo
Today · 4.125%
HK$92,553
baseline
▲ 0.50% · 4.625%
HK$98,185
+HK$5,632/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,106/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,888
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,487
−HK$2,636/mo
Today · 4.125%
HK$102,123
baseline
▲ 0.50% · 4.625%
HK$107,506
+HK$5,383/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,246/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,875 · Scale 2, in force from 26 Feb 2026)