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$48,420
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,927
−HK$1,530/mo
Today · 4.125%
HK$51,457
baseline
▲ 0.50% · 4.625%
HK$54,588
+HK$3,131/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,914/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,867
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,312
−HK$1,465/mo
Today · 4.125%
HK$56,777
baseline
▲ 0.50% · 4.625%
HK$59,770
+HK$2,993/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,554/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$873,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,104
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,912
−HK$1,836/mo
Today · 4.125%
HK$61,748
baseline
▲ 0.50% · 4.625%
HK$65,505
+HK$3,757/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$123,496/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,641
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,374
−HK$1,759/mo
Today · 4.125%
HK$68,133
baseline
▲ 0.50% · 4.625%
HK$71,724
+HK$3,591/mo
Deposit HK$8.49M · loan HK$12.74M · min. income ≈ HK$136,266/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$873,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,789
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,897
−HK$2,142/mo
Today · 4.125%
HK$72,039
baseline
▲ 0.50% · 4.625%
HK$76,423
+HK$4,384/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,078/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,414
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,437
−HK$2,051/mo
Today · 4.125%
HK$79,488
baseline
▲ 0.50% · 4.625%
HK$83,678
+HK$4,190/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,976/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$873,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,157
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,868
−HK$2,754/mo
Today · 4.125%
HK$92,622
baseline
▲ 0.50% · 4.625%
HK$98,258
+HK$5,636/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$185,244/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,961
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,561
−HK$2,638/mo
Today · 4.125%
HK$102,199
baseline
▲ 0.50% · 4.625%
HK$107,586
+HK$5,387/mo
Deposit HK$2.12M · loan HK$19.11M · min. income ≈ HK$204,398/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$873,462 · Scale 2, in force from 26 Feb 2026)