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$48,385
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,890
−HK$1,529/mo
Today · 4.125%
HK$51,419
baseline
▲ 0.50% · 4.625%
HK$54,548
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,838/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,828
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,271
−HK$1,465/mo
Today · 4.125%
HK$56,736
baseline
▲ 0.50% · 4.625%
HK$59,727
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,472/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,062
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,868
−HK$1,835/mo
Today · 4.125%
HK$61,703
baseline
▲ 0.50% · 4.625%
HK$65,457
+HK$3,754/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,406/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,593
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,326
−HK$1,757/mo
Today · 4.125%
HK$68,083
baseline
▲ 0.50% · 4.625%
HK$71,672
+HK$3,589/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,166/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,739
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,846
−HK$2,141/mo
Today · 4.125%
HK$71,987
baseline
▲ 0.50% · 4.625%
HK$76,367
+HK$4,380/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$143,974/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,359
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,380
−HK$2,050/mo
Today · 4.125%
HK$79,430
baseline
▲ 0.50% · 4.625%
HK$83,617
+HK$4,187/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$158,860/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,093
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,802
−HK$2,753/mo
Today · 4.125%
HK$92,555
baseline
▲ 0.50% · 4.625%
HK$98,186
+HK$5,631/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,110/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,890
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,489
−HK$2,636/mo
Today · 4.125%
HK$102,125
baseline
▲ 0.50% · 4.625%
HK$107,508
+HK$5,383/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,250/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,911 · Scale 2, in force from 26 Feb 2026)