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$48,177
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,676
−HK$1,522/mo
Today · 4.125%
HK$51,198
baseline
▲ 0.50% · 4.625%
HK$54,314
+HK$3,116/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,396/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,597
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,034
−HK$1,458/mo
Today · 4.125%
HK$56,492
baseline
▲ 0.50% · 4.625%
HK$59,470
+HK$2,978/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,984/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,813
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,611
−HK$1,827/mo
Today · 4.125%
HK$61,438
baseline
▲ 0.50% · 4.625%
HK$65,176
+HK$3,738/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,876/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,316
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,041
−HK$1,750/mo
Today · 4.125%
HK$67,791
baseline
▲ 0.50% · 4.625%
HK$71,364
+HK$3,573/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,582/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,448
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$69,546
−HK$2,132/mo
Today · 4.125%
HK$71,678
baseline
▲ 0.50% · 4.625%
HK$76,039
+HK$4,361/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,356/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,035
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,048
−HK$2,041/mo
Today · 4.125%
HK$79,089
baseline
▲ 0.50% · 4.625%
HK$83,258
+HK$4,169/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,178/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,719
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,417
−HK$2,740/mo
Today · 4.125%
HK$92,157
baseline
▲ 0.50% · 4.625%
HK$97,765
+HK$5,608/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,314/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,474
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,062
−HK$2,624/mo
Today · 4.125%
HK$101,686
baseline
▲ 0.50% · 4.625%
HK$107,046
+HK$5,360/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,372/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,802 · Scale 2, in force from 26 Feb 2026)