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$48,523
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,032
−HK$1,534/mo
Today · 4.125%
HK$51,566
baseline
▲ 0.50% · 4.625%
HK$54,703
+HK$3,137/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,132/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,981
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,429
−HK$1,469/mo
Today · 4.125%
HK$56,898
baseline
▲ 0.50% · 4.625%
HK$59,897
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,796/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,228
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,039
−HK$1,840/mo
Today · 4.125%
HK$61,879
baseline
▲ 0.50% · 4.625%
HK$65,644
+HK$3,765/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,758/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,778
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,515
−HK$1,762/mo
Today · 4.125%
HK$68,277
baseline
▲ 0.50% · 4.625%
HK$71,876
+HK$3,599/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,554/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,932
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,045
−HK$2,147/mo
Today · 4.125%
HK$72,192
baseline
▲ 0.50% · 4.625%
HK$76,585
+HK$4,393/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$144,384/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,574
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,601
−HK$2,056/mo
Today · 4.125%
HK$79,657
baseline
▲ 0.50% · 4.625%
HK$83,856
+HK$4,199/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$159,314/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,341
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,058
−HK$2,760/mo
Today · 4.125%
HK$92,818
baseline
▲ 0.50% · 4.625%
HK$98,466
+HK$5,648/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,636/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,166
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,772
−HK$2,644/mo
Today · 4.125%
HK$102,416
baseline
▲ 0.50% · 4.625%
HK$107,815
+HK$5,399/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,832/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,963 · Scale 2, in force from 26 Feb 2026)