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$48,072
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,568
−HK$1,519/mo
Today · 4.125%
HK$51,087
baseline
▲ 0.50% · 4.625%
HK$54,196
+HK$3,109/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,174/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,480
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,914
−HK$1,456/mo
Today · 4.125%
HK$56,370
baseline
▲ 0.50% · 4.625%
HK$59,341
+HK$2,971/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,740/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,687
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,481
−HK$1,823/mo
Today · 4.125%
HK$61,304
baseline
▲ 0.50% · 4.625%
HK$65,035
+HK$3,731/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,608/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,176
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,897
−HK$1,746/mo
Today · 4.125%
HK$67,643
baseline
▲ 0.50% · 4.625%
HK$71,209
+HK$3,566/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,286/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,301
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,395
−HK$2,127/mo
Today · 4.125%
HK$71,522
baseline
▲ 0.50% · 4.625%
HK$75,874
+HK$4,352/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$143,044/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,872
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,880
−HK$2,037/mo
Today · 4.125%
HK$78,917
baseline
▲ 0.50% · 4.625%
HK$83,077
+HK$4,160/mo
Deposit HK$6.32M · loan HK$14.76M · min. income ≈ HK$157,834/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,530
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,222
−HK$2,735/mo
Today · 4.125%
HK$91,957
baseline
▲ 0.50% · 4.625%
HK$97,552
+HK$5,595/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$183,914/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,264
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,846
−HK$2,619/mo
Today · 4.125%
HK$101,465
baseline
▲ 0.50% · 4.625%
HK$106,813
+HK$5,348/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$202,930/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,205 · Scale 2, in force from 26 Feb 2026)