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$48,390
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,896
−HK$1,529/mo
Today · 4.125%
HK$51,425
baseline
▲ 0.50% · 4.625%
HK$54,554
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,850/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,834
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,278
−HK$1,464/mo
Today · 4.125%
HK$56,742
baseline
▲ 0.50% · 4.625%
HK$59,733
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,484/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,068
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,875
−HK$1,835/mo
Today · 4.125%
HK$61,710
baseline
▲ 0.50% · 4.625%
HK$65,465
+HK$3,755/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,420/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,601
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,333
−HK$1,758/mo
Today · 4.125%
HK$68,091
baseline
▲ 0.50% · 4.625%
HK$71,680
+HK$3,589/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,182/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,747
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,854
−HK$2,141/mo
Today · 4.125%
HK$71,995
baseline
▲ 0.50% · 4.625%
HK$76,376
+HK$4,381/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$143,990/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,367
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,389
−HK$2,050/mo
Today · 4.125%
HK$79,439
baseline
▲ 0.50% · 4.625%
HK$83,627
+HK$4,188/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,878/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,103
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,812
−HK$2,753/mo
Today · 4.125%
HK$92,565
baseline
▲ 0.50% · 4.625%
HK$98,197
+HK$5,632/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,130/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,901
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,500
−HK$2,636/mo
Today · 4.125%
HK$102,136
baseline
▲ 0.50% · 4.625%
HK$107,520
+HK$5,384/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,272/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,146 · Scale 2, in force from 26 Feb 2026)