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$48,204
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,704
−HK$1,523/mo
Today · 4.125%
HK$51,227
baseline
▲ 0.50% · 4.625%
HK$54,344
+HK$3,117/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,454/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,627
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,065
−HK$1,459/mo
Today · 4.125%
HK$56,524
baseline
▲ 0.50% · 4.625%
HK$59,504
+HK$2,980/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,048/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,845
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,645
−HK$1,828/mo
Today · 4.125%
HK$61,473
baseline
▲ 0.50% · 4.625%
HK$65,213
+HK$3,740/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$122,946/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,352
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,078
−HK$1,751/mo
Today · 4.125%
HK$67,829
baseline
▲ 0.50% · 4.625%
HK$71,404
+HK$3,575/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$135,658/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,486
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,585
−HK$2,133/mo
Today · 4.125%
HK$71,718
baseline
▲ 0.50% · 4.625%
HK$76,082
+HK$4,364/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,436/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$863,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,078
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,091
−HK$2,043/mo
Today · 4.125%
HK$79,134
baseline
▲ 0.50% · 4.625%
HK$83,305
+HK$4,171/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,268/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$863,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,768
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,467
−HK$2,742/mo
Today · 4.125%
HK$92,209
baseline
▲ 0.50% · 4.625%
HK$97,820
+HK$5,611/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,418/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,528
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,117
−HK$2,626/mo
Today · 4.125%
HK$101,743
baseline
▲ 0.50% · 4.625%
HK$107,106
+HK$5,363/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,486/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,987 · Scale 2, in force from 26 Feb 2026)