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$48,400
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,906
−HK$1,529/mo
Today · 4.125%
HK$51,435
baseline
▲ 0.50% · 4.625%
HK$54,565
+HK$3,130/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,870/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,845
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,289
−HK$1,465/mo
Today · 4.125%
HK$56,754
baseline
▲ 0.50% · 4.625%
HK$59,745
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,508/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$872,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,080
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,887
−HK$1,835/mo
Today · 4.125%
HK$61,722
baseline
▲ 0.50% · 4.625%
HK$65,478
+HK$3,756/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,444/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,614
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,346
−HK$1,758/mo
Today · 4.125%
HK$68,104
baseline
▲ 0.50% · 4.625%
HK$71,694
+HK$3,590/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,208/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,760
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,868
−HK$2,141/mo
Today · 4.125%
HK$72,009
baseline
▲ 0.50% · 4.625%
HK$76,391
+HK$4,382/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,018/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,382
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,404
−HK$2,051/mo
Today · 4.125%
HK$79,455
baseline
▲ 0.50% · 4.625%
HK$83,643
+HK$4,188/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,910/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,120
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,830
−HK$2,753/mo
Today · 4.125%
HK$92,583
baseline
▲ 0.50% · 4.625%
HK$98,217
+HK$5,634/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,166/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,920
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,520
−HK$2,637/mo
Today · 4.125%
HK$102,157
baseline
▲ 0.50% · 4.625%
HK$107,541
+HK$5,384/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,314/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$872,573 · Scale 2, in force from 26 Feb 2026)