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$48,198
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,697
−HK$1,524/mo
Today · 4.125%
HK$51,221
baseline
▲ 0.50% · 4.625%
HK$54,337
+HK$3,116/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,442/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,620
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,058
−HK$1,459/mo
Today · 4.125%
HK$56,517
baseline
▲ 0.50% · 4.625%
HK$59,496
+HK$2,979/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,034/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,838
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,637
−HK$1,828/mo
Today · 4.125%
HK$61,465
baseline
▲ 0.50% · 4.625%
HK$65,205
+HK$3,740/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,930/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,344
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,070
−HK$1,750/mo
Today · 4.125%
HK$67,820
baseline
▲ 0.50% · 4.625%
HK$71,395
+HK$3,575/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,640/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,477
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,576
−HK$2,133/mo
Today · 4.125%
HK$71,709
baseline
▲ 0.50% · 4.625%
HK$76,072
+HK$4,363/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,418/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,068
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,081
−HK$2,043/mo
Today · 4.125%
HK$79,124
baseline
▲ 0.50% · 4.625%
HK$83,294
+HK$4,170/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,248/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,757
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,455
−HK$2,742/mo
Today · 4.125%
HK$92,197
baseline
▲ 0.50% · 4.625%
HK$97,807
+HK$5,610/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,394/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,516
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,104
−HK$2,626/mo
Today · 4.125%
HK$101,730
baseline
▲ 0.50% · 4.625%
HK$107,093
+HK$5,363/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,460/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,718 · Scale 2, in force from 26 Feb 2026)