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$48,376
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,881
−HK$1,528/mo
Today · 4.125%
HK$51,409
baseline
▲ 0.50% · 4.625%
HK$54,537
+HK$3,128/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,818/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,818
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,261
−HK$1,464/mo
Today · 4.125%
HK$56,725
baseline
▲ 0.50% · 4.625%
HK$59,715
+HK$2,990/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,450/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,051
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,857
−HK$1,834/mo
Today · 4.125%
HK$61,691
baseline
▲ 0.50% · 4.625%
HK$65,445
+HK$3,754/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,382/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,581
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,313
−HK$1,757/mo
Today · 4.125%
HK$68,070
baseline
▲ 0.50% · 4.625%
HK$71,658
+HK$3,588/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,140/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,726
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,833
−HK$2,140/mo
Today · 4.125%
HK$71,973
baseline
▲ 0.50% · 4.625%
HK$76,352
+HK$4,379/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$143,946/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,345
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,365
−HK$2,050/mo
Today · 4.125%
HK$79,415
baseline
▲ 0.50% · 4.625%
HK$83,601
+HK$4,186/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$158,830/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,076
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,785
−HK$2,752/mo
Today · 4.125%
HK$92,537
baseline
▲ 0.50% · 4.625%
HK$98,167
+HK$5,630/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$185,074/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,872
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,470
−HK$2,635/mo
Today · 4.125%
HK$102,105
baseline
▲ 0.50% · 4.625%
HK$107,487
+HK$5,382/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,210/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,506 · Scale 2, in force from 26 Feb 2026)