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$48,505
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,013
−HK$1,533/mo
Today · 4.125%
HK$51,546
baseline
▲ 0.50% · 4.625%
HK$54,683
+HK$3,137/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,092/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$877,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,961
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,408
−HK$1,468/mo
Today · 4.125%
HK$56,876
baseline
▲ 0.50% · 4.625%
HK$59,874
+HK$2,998/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,752/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$877,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,205
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,016
−HK$1,839/mo
Today · 4.125%
HK$61,855
baseline
▲ 0.50% · 4.625%
HK$65,619
+HK$3,764/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,710/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,753
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,490
−HK$1,761/mo
Today · 4.125%
HK$68,251
baseline
▲ 0.50% · 4.625%
HK$71,849
+HK$3,598/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,502/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,906
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,019
−HK$2,146/mo
Today · 4.125%
HK$72,165
baseline
▲ 0.50% · 4.625%
HK$76,556
+HK$4,391/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,330/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,545
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,571
−HK$2,056/mo
Today · 4.125%
HK$79,627
baseline
▲ 0.50% · 4.625%
HK$83,824
+HK$4,197/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,254/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,308
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,024
−HK$2,759/mo
Today · 4.125%
HK$92,783
baseline
▲ 0.50% · 4.625%
HK$98,429
+HK$5,646/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,566/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$877,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,130
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,734
−HK$2,643/mo
Today · 4.125%
HK$102,377
baseline
▲ 0.50% · 4.625%
HK$107,774
+HK$5,397/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,754/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$877,155 · Scale 2, in force from 26 Feb 2026)