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$48,165
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,663
−HK$1,522/mo
Today · 4.125%
HK$51,185
baseline
▲ 0.50% · 4.625%
HK$54,300
+HK$3,115/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,370/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,583
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,020
−HK$1,458/mo
Today · 4.125%
HK$56,478
baseline
▲ 0.50% · 4.625%
HK$59,455
+HK$2,977/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,956/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,798
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,596
−HK$1,826/mo
Today · 4.125%
HK$61,422
baseline
▲ 0.50% · 4.625%
HK$65,159
+HK$3,737/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,844/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,299
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,024
−HK$1,749/mo
Today · 4.125%
HK$67,773
baseline
▲ 0.50% · 4.625%
HK$71,346
+HK$3,573/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,546/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,431
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,528
−HK$2,131/mo
Today · 4.125%
HK$71,659
baseline
▲ 0.50% · 4.625%
HK$76,019
+HK$4,360/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,318/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,016
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,028
−HK$2,041/mo
Today · 4.125%
HK$79,069
baseline
▲ 0.50% · 4.625%
HK$83,237
+HK$4,168/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,138/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,697
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,393
−HK$2,740/mo
Today · 4.125%
HK$92,133
baseline
▲ 0.50% · 4.625%
HK$97,739
+HK$5,606/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,266/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,449
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,036
−HK$2,624/mo
Today · 4.125%
HK$101,660
baseline
▲ 0.50% · 4.625%
HK$107,018
+HK$5,358/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,320/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,251 · Scale 2, in force from 26 Feb 2026)