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$48,038
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,532
−HK$1,519/mo
Today · 4.125%
HK$51,051
baseline
▲ 0.50% · 4.625%
HK$54,157
+HK$3,106/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,102/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,442
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,875
−HK$1,454/mo
Today · 4.125%
HK$56,329
baseline
▲ 0.50% · 4.625%
HK$59,298
+HK$2,969/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,658/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,646
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,439
−HK$1,822/mo
Today · 4.125%
HK$61,261
baseline
▲ 0.50% · 4.625%
HK$64,988
+HK$3,727/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$122,522/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,130
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,850
−HK$1,745/mo
Today · 4.125%
HK$67,595
baseline
▲ 0.50% · 4.625%
HK$71,158
+HK$3,563/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$135,190/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,253
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,345
−HK$2,126/mo
Today · 4.125%
HK$71,471
baseline
▲ 0.50% · 4.625%
HK$75,820
+HK$4,349/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$142,942/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,819
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,825
−HK$2,036/mo
Today · 4.125%
HK$78,861
baseline
▲ 0.50% · 4.625%
HK$83,018
+HK$4,157/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,722/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,469
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,158
−HK$2,733/mo
Today · 4.125%
HK$91,891
baseline
▲ 0.50% · 4.625%
HK$97,482
+HK$5,591/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$183,782/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,195
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,775
−HK$2,618/mo
Today · 4.125%
HK$101,393
baseline
▲ 0.50% · 4.625%
HK$106,737
+HK$5,344/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$202,786/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,698 · Scale 2, in force from 26 Feb 2026)