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$48,178
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,676
−HK$1,523/mo
Today · 4.125%
HK$51,199
baseline
▲ 0.50% · 4.625%
HK$54,314
+HK$3,115/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,398/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,597
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,035
−HK$1,458/mo
Today · 4.125%
HK$56,493
baseline
▲ 0.50% · 4.625%
HK$59,471
+HK$2,978/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,986/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$862,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,813
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,611
−HK$1,828/mo
Today · 4.125%
HK$61,439
baseline
▲ 0.50% · 4.625%
HK$65,177
+HK$3,738/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,878/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,317
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,042
−HK$1,749/mo
Today · 4.125%
HK$67,791
baseline
▲ 0.50% · 4.625%
HK$71,365
+HK$3,574/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$862,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,449
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,547
−HK$2,131/mo
Today · 4.125%
HK$71,678
baseline
▲ 0.50% · 4.625%
HK$76,040
+HK$4,362/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$862,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,036
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,048
−HK$2,042/mo
Today · 4.125%
HK$79,090
baseline
▲ 0.50% · 4.625%
HK$83,259
+HK$4,169/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,180/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,720
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,417
−HK$2,741/mo
Today · 4.125%
HK$92,158
baseline
▲ 0.50% · 4.625%
HK$97,765
+HK$5,607/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,316/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,475
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,062
−HK$2,625/mo
Today · 4.125%
HK$101,687
baseline
▲ 0.50% · 4.625%
HK$107,047
+HK$5,360/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,374/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$862,818 · Scale 2, in force from 26 Feb 2026)