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$48,199
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,698
−HK$1,523/mo
Today · 4.125%
HK$51,221
baseline
▲ 0.50% · 4.625%
HK$54,338
+HK$3,117/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,442/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,621
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,059
−HK$1,459/mo
Today · 4.125%
HK$56,518
baseline
▲ 0.50% · 4.625%
HK$59,497
+HK$2,979/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,036/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,838
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,638
−HK$1,827/mo
Today · 4.125%
HK$61,465
baseline
▲ 0.50% · 4.625%
HK$65,205
+HK$3,740/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,930/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,345
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,070
−HK$1,751/mo
Today · 4.125%
HK$67,821
baseline
▲ 0.50% · 4.625%
HK$71,396
+HK$3,575/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,642/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,478
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,577
−HK$2,133/mo
Today · 4.125%
HK$71,710
baseline
▲ 0.50% · 4.625%
HK$76,073
+HK$4,363/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,420/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,069
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,082
−HK$2,043/mo
Today · 4.125%
HK$79,125
baseline
▲ 0.50% · 4.625%
HK$83,295
+HK$4,170/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,250/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,758
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,456
−HK$2,742/mo
Today · 4.125%
HK$92,198
baseline
▲ 0.50% · 4.625%
HK$97,808
+HK$5,610/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,396/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,517
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,106
−HK$2,626/mo
Today · 4.125%
HK$101,732
baseline
▲ 0.50% · 4.625%
HK$107,094
+HK$5,362/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,464/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,741 · Scale 2, in force from 26 Feb 2026)