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$48,188
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,687
−HK$1,523/mo
Today · 4.125%
HK$51,210
baseline
▲ 0.50% · 4.625%
HK$54,326
+HK$3,116/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,420/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,608
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,046
−HK$1,459/mo
Today · 4.125%
HK$56,505
baseline
▲ 0.50% · 4.625%
HK$59,483
+HK$2,978/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,010/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,825
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,624
−HK$1,827/mo
Today · 4.125%
HK$61,451
baseline
▲ 0.50% · 4.625%
HK$65,191
+HK$3,740/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,902/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,330
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,055
−HK$1,751/mo
Today · 4.125%
HK$67,806
baseline
▲ 0.50% · 4.625%
HK$71,380
+HK$3,574/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,612/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,463
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,561
−HK$2,132/mo
Today · 4.125%
HK$71,693
baseline
▲ 0.50% · 4.625%
HK$76,056
+HK$4,363/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,386/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,052
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,065
−HK$2,042/mo
Today · 4.125%
HK$79,107
baseline
▲ 0.50% · 4.625%
HK$83,276
+HK$4,169/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,214/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,738
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,436
−HK$2,741/mo
Today · 4.125%
HK$92,177
baseline
▲ 0.50% · 4.625%
HK$97,786
+HK$5,609/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,354/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,495
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,083
−HK$2,625/mo
Today · 4.125%
HK$101,708
baseline
▲ 0.50% · 4.625%
HK$107,070
+HK$5,362/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,416/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,261 · Scale 2, in force from 26 Feb 2026)