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$48,365
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,870
−HK$1,528/mo
Today · 4.125%
HK$51,398
baseline
▲ 0.50% · 4.625%
HK$54,526
+HK$3,128/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,796/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,806
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,249
−HK$1,464/mo
Today · 4.125%
HK$56,713
baseline
▲ 0.50% · 4.625%
HK$59,702
+HK$2,989/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,426/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,038
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,844
−HK$1,834/mo
Today · 4.125%
HK$61,678
baseline
▲ 0.50% · 4.625%
HK$65,431
+HK$3,753/mo
Deposit HK$8.48M · loan HK$12.73M · min. income ≈ HK$123,356/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,567
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,299
−HK$1,756/mo
Today · 4.125%
HK$68,055
baseline
▲ 0.50% · 4.625%
HK$71,643
+HK$3,588/mo
Deposit HK$8.48M · loan HK$12.73M · min. income ≈ HK$136,110/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,711
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,817
−HK$2,140/mo
Today · 4.125%
HK$71,957
baseline
▲ 0.50% · 4.625%
HK$76,336
+HK$4,379/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$143,914/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$871,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,328
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,348
−HK$2,050/mo
Today · 4.125%
HK$79,398
baseline
▲ 0.50% · 4.625%
HK$83,583
+HK$4,185/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$158,796/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$871,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,057
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,765
−HK$2,752/mo
Today · 4.125%
HK$92,517
baseline
▲ 0.50% · 4.625%
HK$98,146
+HK$5,629/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$185,034/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,850
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,448
−HK$2,635/mo
Today · 4.125%
HK$102,083
baseline
▲ 0.50% · 4.625%
HK$107,464
+HK$5,381/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,166/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,042 · Scale 2, in force from 26 Feb 2026)