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$48,173
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,672
−HK$1,522/mo
Today · 4.125%
HK$51,194
baseline
▲ 0.50% · 4.625%
HK$54,309
+HK$3,115/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,388/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,592
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,030
−HK$1,458/mo
Today · 4.125%
HK$56,488
baseline
▲ 0.50% · 4.625%
HK$59,465
+HK$2,977/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,976/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,808
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,606
−HK$1,827/mo
Today · 4.125%
HK$61,433
baseline
▲ 0.50% · 4.625%
HK$65,171
+HK$3,738/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,866/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,311
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,035
−HK$1,750/mo
Today · 4.125%
HK$67,785
baseline
▲ 0.50% · 4.625%
HK$71,358
+HK$3,573/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,570/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,443
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,540
−HK$2,132/mo
Today · 4.125%
HK$71,672
baseline
▲ 0.50% · 4.625%
HK$76,033
+HK$4,361/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,344/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,029
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,041
−HK$2,042/mo
Today · 4.125%
HK$79,083
baseline
▲ 0.50% · 4.625%
HK$83,251
+HK$4,168/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,166/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,712
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,409
−HK$2,740/mo
Today · 4.125%
HK$92,149
baseline
▲ 0.50% · 4.625%
HK$97,756
+HK$5,607/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,298/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,466
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,053
−HK$2,625/mo
Today · 4.125%
HK$101,678
baseline
▲ 0.50% · 4.625%
HK$107,037
+HK$5,359/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,356/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,623 · Scale 2, in force from 26 Feb 2026)