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$48,391
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,897
−HK$1,529/mo
Today · 4.125%
HK$51,426
baseline
▲ 0.50% · 4.625%
HK$54,555
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,852/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,835
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,279
−HK$1,464/mo
Today · 4.125%
HK$56,743
baseline
▲ 0.50% · 4.625%
HK$59,734
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,486/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,070
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,876
−HK$1,835/mo
Today · 4.125%
HK$61,711
baseline
▲ 0.50% · 4.625%
HK$65,466
+HK$3,755/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,422/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,602
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,334
−HK$1,758/mo
Today · 4.125%
HK$68,092
baseline
▲ 0.50% · 4.625%
HK$71,681
+HK$3,589/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,184/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,748
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,855
−HK$2,141/mo
Today · 4.125%
HK$71,996
baseline
▲ 0.50% · 4.625%
HK$76,377
+HK$4,381/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$143,992/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,369
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,390
−HK$2,051/mo
Today · 4.125%
HK$79,441
baseline
▲ 0.50% · 4.625%
HK$83,628
+HK$4,187/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,882/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,104
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,814
−HK$2,753/mo
Today · 4.125%
HK$92,567
baseline
▲ 0.50% · 4.625%
HK$98,199
+HK$5,632/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,134/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,903
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,502
−HK$2,636/mo
Today · 4.125%
HK$102,138
baseline
▲ 0.50% · 4.625%
HK$107,522
+HK$5,384/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,276/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,188 · Scale 2, in force from 26 Feb 2026)