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$48,078
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,573
−HK$1,520/mo
Today · 4.125%
HK$51,093
baseline
▲ 0.50% · 4.625%
HK$54,202
+HK$3,109/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,186/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,486
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,921
−HK$1,455/mo
Today · 4.125%
HK$56,376
baseline
▲ 0.50% · 4.625%
HK$59,347
+HK$2,971/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,752/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,693
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,488
−HK$1,823/mo
Today · 4.125%
HK$61,311
baseline
▲ 0.50% · 4.625%
HK$65,042
+HK$3,731/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,622/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,183
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,905
−HK$1,746/mo
Today · 4.125%
HK$67,651
baseline
▲ 0.50% · 4.625%
HK$71,217
+HK$3,566/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,302/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,309
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,403
−HK$2,127/mo
Today · 4.125%
HK$71,530
baseline
▲ 0.50% · 4.625%
HK$75,882
+HK$4,352/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$143,060/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,881
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,889
−HK$2,037/mo
Today · 4.125%
HK$78,926
baseline
▲ 0.50% · 4.625%
HK$83,086
+HK$4,160/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$157,852/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,540
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,232
−HK$2,735/mo
Today · 4.125%
HK$91,967
baseline
▲ 0.50% · 4.625%
HK$97,563
+HK$5,596/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$183,934/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,275
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,857
−HK$2,619/mo
Today · 4.125%
HK$101,476
baseline
▲ 0.50% · 4.625%
HK$106,825
+HK$5,349/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$202,952/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,440 · Scale 2, in force from 26 Feb 2026)