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$48,184
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,683
−HK$1,522/mo
Today · 4.125%
HK$51,205
baseline
▲ 0.50% · 4.625%
HK$54,321
+HK$3,116/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,410/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,604
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,042
−HK$1,458/mo
Today · 4.125%
HK$56,500
baseline
▲ 0.50% · 4.625%
HK$59,478
+HK$2,978/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,000/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,821
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,619
−HK$1,827/mo
Today · 4.125%
HK$61,446
baseline
▲ 0.50% · 4.625%
HK$65,185
+HK$3,739/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,892/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,325
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,050
−HK$1,750/mo
Today · 4.125%
HK$67,800
baseline
▲ 0.50% · 4.625%
HK$71,374
+HK$3,574/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,600/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,457
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,556
−HK$2,131/mo
Today · 4.125%
HK$71,687
baseline
▲ 0.50% · 4.625%
HK$76,049
+HK$4,362/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,374/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,046
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,058
−HK$2,042/mo
Today · 4.125%
HK$79,100
baseline
▲ 0.50% · 4.625%
HK$83,269
+HK$4,169/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,200/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,731
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,429
−HK$2,741/mo
Today · 4.125%
HK$92,170
baseline
▲ 0.50% · 4.625%
HK$97,778
+HK$5,608/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,340/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,487
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,075
−HK$2,625/mo
Today · 4.125%
HK$101,700
baseline
▲ 0.50% · 4.625%
HK$107,061
+HK$5,361/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,400/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,086 · Scale 2, in force from 26 Feb 2026)