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$48,197
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,696
−HK$1,523/mo
Today · 4.125%
HK$51,219
baseline
▲ 0.50% · 4.625%
HK$54,336
+HK$3,117/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,438/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,618
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,056
−HK$1,459/mo
Today · 4.125%
HK$56,515
baseline
▲ 0.50% · 4.625%
HK$59,494
+HK$2,979/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,030/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,836
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,635
−HK$1,828/mo
Today · 4.125%
HK$61,463
baseline
▲ 0.50% · 4.625%
HK$65,203
+HK$3,740/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,926/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,342
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,067
−HK$1,751/mo
Today · 4.125%
HK$67,818
baseline
▲ 0.50% · 4.625%
HK$71,393
+HK$3,575/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,636/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,475
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,574
−HK$2,133/mo
Today · 4.125%
HK$71,707
baseline
▲ 0.50% · 4.625%
HK$76,070
+HK$4,363/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,414/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,066
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,079
−HK$2,042/mo
Today · 4.125%
HK$79,121
baseline
▲ 0.50% · 4.625%
HK$83,292
+HK$4,171/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,242/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,754
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,452
−HK$2,742/mo
Today · 4.125%
HK$92,194
baseline
▲ 0.50% · 4.625%
HK$97,804
+HK$5,610/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,388/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,513
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,101
−HK$2,626/mo
Today · 4.125%
HK$101,727
baseline
▲ 0.50% · 4.625%
HK$107,089
+HK$5,362/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,454/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,649 · Scale 2, in force from 26 Feb 2026)