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$48,376
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,881
−HK$1,529/mo
Today · 4.125%
HK$51,410
baseline
▲ 0.50% · 4.625%
HK$54,538
+HK$3,128/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,820/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,818
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,261
−HK$1,465/mo
Today · 4.125%
HK$56,726
baseline
▲ 0.50% · 4.625%
HK$59,716
+HK$2,990/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,452/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,051
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,857
−HK$1,835/mo
Today · 4.125%
HK$61,692
baseline
▲ 0.50% · 4.625%
HK$65,446
+HK$3,754/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,384/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,582
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,314
−HK$1,757/mo
Today · 4.125%
HK$68,071
baseline
▲ 0.50% · 4.625%
HK$71,659
+HK$3,588/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,142/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,727
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$69,833
−HK$2,141/mo
Today · 4.125%
HK$71,974
baseline
▲ 0.50% · 4.625%
HK$76,353
+HK$4,379/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$143,948/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,345
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,366
−HK$2,050/mo
Today · 4.125%
HK$79,416
baseline
▲ 0.50% · 4.625%
HK$83,602
+HK$4,186/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$158,832/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$871,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,077
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,786
−HK$2,752/mo
Today · 4.125%
HK$92,538
baseline
▲ 0.50% · 4.625%
HK$98,168
+HK$5,630/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$185,076/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,872
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,471
−HK$2,635/mo
Today · 4.125%
HK$102,106
baseline
▲ 0.50% · 4.625%
HK$107,488
+HK$5,382/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,212/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,526 · Scale 2, in force from 26 Feb 2026)