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$48,371
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,876
−HK$1,528/mo
Today · 4.125%
HK$51,404
baseline
▲ 0.50% · 4.625%
HK$54,532
+HK$3,128/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,808/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,812
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,256
−HK$1,464/mo
Today · 4.125%
HK$56,720
baseline
▲ 0.50% · 4.625%
HK$59,710
+HK$2,990/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,440/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,045
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,851
−HK$1,834/mo
Today · 4.125%
HK$61,685
baseline
▲ 0.50% · 4.625%
HK$65,439
+HK$3,754/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,370/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,575
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,307
−HK$1,757/mo
Today · 4.125%
HK$68,064
baseline
▲ 0.50% · 4.625%
HK$71,651
+HK$3,587/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,128/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,720
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,826
−HK$2,140/mo
Today · 4.125%
HK$71,966
baseline
▲ 0.50% · 4.625%
HK$76,345
+HK$4,379/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$143,932/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,337
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,358
−HK$2,050/mo
Today · 4.125%
HK$79,408
baseline
▲ 0.50% · 4.625%
HK$83,593
+HK$4,185/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$158,816/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,068
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,776
−HK$2,752/mo
Today · 4.125%
HK$92,528
baseline
▲ 0.50% · 4.625%
HK$98,158
+HK$5,630/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$185,056/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,862
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,460
−HK$2,636/mo
Today · 4.125%
HK$102,096
baseline
▲ 0.50% · 4.625%
HK$107,477
+HK$5,381/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,192/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,304 · Scale 2, in force from 26 Feb 2026)