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$48,170
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,669
−HK$1,522/mo
Today · 4.125%
HK$51,191
baseline
▲ 0.50% · 4.625%
HK$54,306
+HK$3,115/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,382/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,589
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,026
−HK$1,458/mo
Today · 4.125%
HK$56,484
baseline
▲ 0.50% · 4.625%
HK$59,462
+HK$2,978/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,968/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,805
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,603
−HK$1,826/mo
Today · 4.125%
HK$61,429
baseline
▲ 0.50% · 4.625%
HK$65,167
+HK$3,738/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,858/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,307
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,032
−HK$1,749/mo
Today · 4.125%
HK$67,781
baseline
▲ 0.50% · 4.625%
HK$71,354
+HK$3,573/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,562/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,439
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,536
−HK$2,132/mo
Today · 4.125%
HK$71,668
baseline
▲ 0.50% · 4.625%
HK$76,028
+HK$4,360/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,336/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,025
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,037
−HK$2,041/mo
Today · 4.125%
HK$79,078
baseline
▲ 0.50% · 4.625%
HK$83,247
+HK$4,169/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,156/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,707
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,404
−HK$2,740/mo
Today · 4.125%
HK$92,144
baseline
▲ 0.50% · 4.625%
HK$97,751
+HK$5,607/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,288/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,461
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,048
−HK$2,624/mo
Today · 4.125%
HK$101,672
baseline
▲ 0.50% · 4.625%
HK$107,031
+HK$5,359/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,344/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,504 · Scale 2, in force from 26 Feb 2026)