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$48,386
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,892
−HK$1,529/mo
Today · 4.125%
HK$51,421
baseline
▲ 0.50% · 4.625%
HK$54,550
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,842/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,829
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,273
−HK$1,465/mo
Today · 4.125%
HK$56,738
baseline
▲ 0.50% · 4.625%
HK$59,728
+HK$2,990/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,476/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,064
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,870
−HK$1,835/mo
Today · 4.125%
HK$61,705
baseline
▲ 0.50% · 4.625%
HK$65,459
+HK$3,754/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,410/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,595
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,328
−HK$1,757/mo
Today · 4.125%
HK$68,085
baseline
▲ 0.50% · 4.625%
HK$71,674
+HK$3,589/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,170/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,741
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,848
−HK$2,141/mo
Today · 4.125%
HK$71,989
baseline
▲ 0.50% · 4.625%
HK$76,369
+HK$4,380/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$143,978/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,361
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,382
−HK$2,051/mo
Today · 4.125%
HK$79,433
baseline
▲ 0.50% · 4.625%
HK$83,620
+HK$4,187/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$158,866/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,096
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,805
−HK$2,752/mo
Today · 4.125%
HK$92,557
baseline
▲ 0.50% · 4.625%
HK$98,189
+HK$5,632/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,114/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,893
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,492
−HK$2,636/mo
Today · 4.125%
HK$102,128
baseline
▲ 0.50% · 4.625%
HK$107,511
+HK$5,383/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,256/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,974 · Scale 2, in force from 26 Feb 2026)