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$48,169
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,667
−HK$1,523/mo
Today · 4.125%
HK$51,190
baseline
▲ 0.50% · 4.625%
HK$54,305
+HK$3,115/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,380/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,588
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,025
−HK$1,458/mo
Today · 4.125%
HK$56,483
baseline
▲ 0.50% · 4.625%
HK$59,460
+HK$2,977/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,966/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,803
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,601
−HK$1,827/mo
Today · 4.125%
HK$61,428
baseline
▲ 0.50% · 4.625%
HK$65,165
+HK$3,737/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,856/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,305
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,030
−HK$1,749/mo
Today · 4.125%
HK$67,779
baseline
▲ 0.50% · 4.625%
HK$71,352
+HK$3,573/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,558/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,437
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,534
−HK$2,132/mo
Today · 4.125%
HK$71,666
baseline
▲ 0.50% · 4.625%
HK$76,026
+HK$4,360/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,332/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,023
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,035
−HK$2,041/mo
Today · 4.125%
HK$79,076
baseline
▲ 0.50% · 4.625%
HK$83,244
+HK$4,168/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,152/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,704
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,401
−HK$2,741/mo
Today · 4.125%
HK$92,142
baseline
▲ 0.50% · 4.625%
HK$97,748
+HK$5,606/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,284/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,458
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,045
−HK$2,624/mo
Today · 4.125%
HK$101,669
baseline
▲ 0.50% · 4.625%
HK$107,028
+HK$5,359/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,338/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,444 · Scale 2, in force from 26 Feb 2026)