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$48,256
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,757
−HK$1,525/mo
Today · 4.125%
HK$51,282
baseline
▲ 0.50% · 4.625%
HK$54,402
+HK$3,120/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,564/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,684
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,124
−HK$1,461/mo
Today · 4.125%
HK$56,585
baseline
▲ 0.50% · 4.625%
HK$59,567
+HK$2,982/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,170/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,907
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,708
−HK$1,830/mo
Today · 4.125%
HK$61,538
baseline
▲ 0.50% · 4.625%
HK$65,283
+HK$3,745/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$123,076/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,421
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,149
−HK$1,752/mo
Today · 4.125%
HK$67,901
baseline
▲ 0.50% · 4.625%
HK$71,481
+HK$3,580/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$135,802/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,558
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,660
−HK$2,135/mo
Today · 4.125%
HK$71,795
baseline
▲ 0.50% · 4.625%
HK$76,163
+HK$4,368/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,590/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$866,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,158
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,174
−HK$2,044/mo
Today · 4.125%
HK$79,218
baseline
▲ 0.50% · 4.625%
HK$83,394
+HK$4,176/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,436/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$866,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,861
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,562
−HK$2,745/mo
Today · 4.125%
HK$92,307
baseline
▲ 0.50% · 4.625%
HK$97,924
+HK$5,617/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,614/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,631
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,223
−HK$2,629/mo
Today · 4.125%
HK$101,852
baseline
▲ 0.50% · 4.625%
HK$107,221
+HK$5,369/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,704/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,248 · Scale 2, in force from 26 Feb 2026)