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$48,186
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,685
−HK$1,523/mo
Today · 4.125%
HK$51,208
baseline
▲ 0.50% · 4.625%
HK$54,324
+HK$3,116/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,416/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,607
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,045
−HK$1,458/mo
Today · 4.125%
HK$56,503
baseline
▲ 0.50% · 4.625%
HK$59,481
+HK$2,978/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,006/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,824
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,622
−HK$1,828/mo
Today · 4.125%
HK$61,450
baseline
▲ 0.50% · 4.625%
HK$65,189
+HK$3,739/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,900/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,328
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,053
−HK$1,751/mo
Today · 4.125%
HK$67,804
baseline
▲ 0.50% · 4.625%
HK$71,378
+HK$3,574/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,608/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,461
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,559
−HK$2,132/mo
Today · 4.125%
HK$71,691
baseline
▲ 0.50% · 4.625%
HK$76,054
+HK$4,363/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,382/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,050
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,062
−HK$2,042/mo
Today · 4.125%
HK$79,104
baseline
▲ 0.50% · 4.625%
HK$83,274
+HK$4,170/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,208/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,735
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,433
−HK$2,742/mo
Today · 4.125%
HK$92,175
baseline
▲ 0.50% · 4.625%
HK$97,783
+HK$5,608/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,350/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,492
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,080
−HK$2,625/mo
Today · 4.125%
HK$101,705
baseline
▲ 0.50% · 4.625%
HK$107,067
+HK$5,362/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,410/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,199 · Scale 2, in force from 26 Feb 2026)