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$48,160
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,658
−HK$1,522/mo
Today · 4.125%
HK$51,180
baseline
▲ 0.50% · 4.625%
HK$54,295
+HK$3,115/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,360/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,578
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,015
−HK$1,458/mo
Today · 4.125%
HK$56,473
baseline
▲ 0.50% · 4.625%
HK$59,449
+HK$2,976/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,946/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,792
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,590
−HK$1,827/mo
Today · 4.125%
HK$61,417
baseline
▲ 0.50% · 4.625%
HK$65,154
+HK$3,737/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,834/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,294
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,018
−HK$1,749/mo
Today · 4.125%
HK$67,767
baseline
▲ 0.50% · 4.625%
HK$71,339
+HK$3,572/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,534/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,425
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,522
−HK$2,131/mo
Today · 4.125%
HK$71,653
baseline
▲ 0.50% · 4.625%
HK$76,013
+HK$4,360/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$143,306/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,009
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,021
−HK$2,041/mo
Today · 4.125%
HK$79,062
baseline
▲ 0.50% · 4.625%
HK$83,229
+HK$4,167/mo
Deposit HK$6.34M · loan HK$14.78M · min. income ≈ HK$158,124/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,689
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,385
−HK$2,740/mo
Today · 4.125%
HK$92,125
baseline
▲ 0.50% · 4.625%
HK$97,730
+HK$5,605/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,250/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,440
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,027
−HK$2,624/mo
Today · 4.125%
HK$101,651
baseline
▲ 0.50% · 4.625%
HK$107,009
+HK$5,358/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,302/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,060 · Scale 2, in force from 26 Feb 2026)