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$48,381
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,886
−HK$1,529/mo
Today · 4.125%
HK$51,415
baseline
▲ 0.50% · 4.625%
HK$54,543
+HK$3,128/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,830/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,823
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,267
−HK$1,464/mo
Today · 4.125%
HK$56,731
baseline
▲ 0.50% · 4.625%
HK$59,722
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,462/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,057
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,863
−HK$1,835/mo
Today · 4.125%
HK$61,698
baseline
▲ 0.50% · 4.625%
HK$65,452
+HK$3,754/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,396/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,588
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,320
−HK$1,758/mo
Today · 4.125%
HK$68,078
baseline
▲ 0.50% · 4.625%
HK$71,666
+HK$3,588/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,156/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,734
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,840
−HK$2,141/mo
Today · 4.125%
HK$71,981
baseline
▲ 0.50% · 4.625%
HK$76,361
+HK$4,380/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$143,962/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,353
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,374
−HK$2,050/mo
Today · 4.125%
HK$79,424
baseline
▲ 0.50% · 4.625%
HK$83,611
+HK$4,187/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$158,848/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,086
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,795
−HK$2,752/mo
Today · 4.125%
HK$92,547
baseline
▲ 0.50% · 4.625%
HK$98,178
+HK$5,631/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,094/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,882
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,481
−HK$2,636/mo
Today · 4.125%
HK$102,117
baseline
▲ 0.50% · 4.625%
HK$107,499
+HK$5,382/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,234/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,740 · Scale 2, in force from 26 Feb 2026)