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$48,366
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,871
−HK$1,528/mo
Today · 4.125%
HK$51,399
baseline
▲ 0.50% · 4.625%
HK$54,527
+HK$3,128/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,798/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,807
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,250
−HK$1,464/mo
Today · 4.125%
HK$56,714
baseline
▲ 0.50% · 4.625%
HK$59,704
+HK$2,990/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,428/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$871,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,040
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,845
−HK$1,834/mo
Today · 4.125%
HK$61,679
baseline
▲ 0.50% · 4.625%
HK$65,432
+HK$3,753/mo
Deposit HK$8.48M · loan HK$12.73M · min. income ≈ HK$123,358/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,569
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,300
−HK$1,757/mo
Today · 4.125%
HK$68,057
baseline
▲ 0.50% · 4.625%
HK$71,644
+HK$3,587/mo
Deposit HK$8.48M · loan HK$12.73M · min. income ≈ HK$136,114/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$871,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,713
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,819
−HK$2,140/mo
Today · 4.125%
HK$71,959
baseline
▲ 0.50% · 4.625%
HK$76,338
+HK$4,379/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$143,918/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$871,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,330
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,350
−HK$2,050/mo
Today · 4.125%
HK$79,400
baseline
▲ 0.50% · 4.625%
HK$83,585
+HK$4,185/mo
Deposit HK$6.36M · loan HK$14.85M · min. income ≈ HK$158,800/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$871,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,060
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,768
−HK$2,751/mo
Today · 4.125%
HK$92,519
baseline
▲ 0.50% · 4.625%
HK$98,148
+HK$5,629/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$185,038/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,853
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,450
−HK$2,635/mo
Today · 4.125%
HK$102,085
baseline
▲ 0.50% · 4.625%
HK$107,467
+HK$5,382/mo
Deposit HK$2.12M · loan HK$19.09M · min. income ≈ HK$204,170/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$871,095 · Scale 2, in force from 26 Feb 2026)