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$48,275
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,776
−HK$1,526/mo
Today · 4.125%
HK$51,302
baseline
▲ 0.50% · 4.625%
HK$54,423
+HK$3,121/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,604/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,705
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,145
−HK$1,461/mo
Today · 4.125%
HK$56,606
baseline
▲ 0.50% · 4.625%
HK$59,590
+HK$2,984/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,212/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,929
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,731
−HK$1,831/mo
Today · 4.125%
HK$61,562
baseline
▲ 0.50% · 4.625%
HK$65,308
+HK$3,746/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,124/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,446
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,174
−HK$1,754/mo
Today · 4.125%
HK$67,928
baseline
▲ 0.50% · 4.625%
HK$71,508
+HK$3,580/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,856/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,584
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,687
−HK$2,136/mo
Today · 4.125%
HK$71,823
baseline
▲ 0.50% · 4.625%
HK$76,193
+HK$4,370/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,646/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,187
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,203
−HK$2,046/mo
Today · 4.125%
HK$79,249
baseline
▲ 0.50% · 4.625%
HK$83,426
+HK$4,177/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,498/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,894
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,597
−HK$2,746/mo
Today · 4.125%
HK$92,343
baseline
▲ 0.50% · 4.625%
HK$97,962
+HK$5,619/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,686/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,669
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,262
−HK$2,630/mo
Today · 4.125%
HK$101,892
baseline
▲ 0.50% · 4.625%
HK$107,262
+HK$5,370/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,784/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,067 · Scale 2, in force from 26 Feb 2026)