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$48,043
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,537
−HK$1,519/mo
Today · 4.125%
HK$51,056
baseline
▲ 0.50% · 4.625%
HK$54,162
+HK$3,106/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,112/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,447
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,881
−HK$1,454/mo
Today · 4.125%
HK$56,335
baseline
▲ 0.50% · 4.625%
HK$59,304
+HK$2,969/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,670/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,652
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,445
−HK$1,822/mo
Today · 4.125%
HK$61,267
baseline
▲ 0.50% · 4.625%
HK$64,995
+HK$3,728/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$122,534/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,137
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,857
−HK$1,745/mo
Today · 4.125%
HK$67,602
baseline
▲ 0.50% · 4.625%
HK$71,165
+HK$3,563/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$135,204/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,260
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,352
−HK$2,126/mo
Today · 4.125%
HK$71,478
baseline
▲ 0.50% · 4.625%
HK$75,827
+HK$4,349/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$142,956/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,826
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,833
−HK$2,036/mo
Today · 4.125%
HK$78,869
baseline
▲ 0.50% · 4.625%
HK$83,026
+HK$4,157/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,738/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,477
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,167
−HK$2,733/mo
Today · 4.125%
HK$91,900
baseline
▲ 0.50% · 4.625%
HK$97,492
+HK$5,592/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$183,800/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,205
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,785
−HK$2,618/mo
Today · 4.125%
HK$101,403
baseline
▲ 0.50% · 4.625%
HK$106,748
+HK$5,345/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$202,806/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,911 · Scale 2, in force from 26 Feb 2026)