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$48,259
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,761
−HK$1,525/mo
Today · 4.125%
HK$51,286
baseline
▲ 0.50% · 4.625%
HK$54,406
+HK$3,120/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,572/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,688
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,128
−HK$1,461/mo
Today · 4.125%
HK$56,589
baseline
▲ 0.50% · 4.625%
HK$59,572
+HK$2,983/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,178/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,911
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,713
−HK$1,830/mo
Today · 4.125%
HK$61,543
baseline
▲ 0.50% · 4.625%
HK$65,288
+HK$3,745/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,086/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,426
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,154
−HK$1,753/mo
Today · 4.125%
HK$67,907
baseline
▲ 0.50% · 4.625%
HK$71,486
+HK$3,579/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,814/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,563
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,665
−HK$2,135/mo
Today · 4.125%
HK$71,800
baseline
▲ 0.50% · 4.625%
HK$76,169
+HK$4,369/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,600/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,163
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,179
−HK$2,045/mo
Today · 4.125%
HK$79,224
baseline
▲ 0.50% · 4.625%
HK$83,400
+HK$4,176/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,448/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,867
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,569
−HK$2,745/mo
Today · 4.125%
HK$92,314
baseline
▲ 0.50% · 4.625%
HK$97,931
+HK$5,617/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,628/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,639
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,230
−HK$2,630/mo
Today · 4.125%
HK$101,860
baseline
▲ 0.50% · 4.625%
HK$107,229
+HK$5,369/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,720/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,405 · Scale 2, in force from 26 Feb 2026)