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$48,382
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,887
−HK$1,529/mo
Today · 4.125%
HK$51,416
baseline
▲ 0.50% · 4.625%
HK$54,544
+HK$3,128/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,832/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,824
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,268
−HK$1,464/mo
Today · 4.125%
HK$56,732
baseline
▲ 0.50% · 4.625%
HK$59,723
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,464/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,058
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,864
−HK$1,835/mo
Today · 4.125%
HK$61,699
baseline
▲ 0.50% · 4.625%
HK$65,453
+HK$3,754/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,398/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,589
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,322
−HK$1,757/mo
Today · 4.125%
HK$68,079
baseline
▲ 0.50% · 4.625%
HK$71,667
+HK$3,588/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,158/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,735
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,842
−HK$2,140/mo
Today · 4.125%
HK$71,982
baseline
▲ 0.50% · 4.625%
HK$76,362
+HK$4,380/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$143,964/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,354
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,375
−HK$2,050/mo
Today · 4.125%
HK$79,425
baseline
▲ 0.50% · 4.625%
HK$83,612
+HK$4,187/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$158,850/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,087
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,796
−HK$2,753/mo
Today · 4.125%
HK$92,549
baseline
▲ 0.50% · 4.625%
HK$98,180
+HK$5,631/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,098/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,884
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,482
−HK$2,636/mo
Today · 4.125%
HK$102,118
baseline
▲ 0.50% · 4.625%
HK$107,501
+HK$5,383/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,236/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,776 · Scale 2, in force from 26 Feb 2026)