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$48,279
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,781
−HK$1,525/mo
Today · 4.125%
HK$51,306
baseline
▲ 0.50% · 4.625%
HK$54,428
+HK$3,122/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,612/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,710
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,150
−HK$1,462/mo
Today · 4.125%
HK$56,612
baseline
▲ 0.50% · 4.625%
HK$59,596
+HK$2,984/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,224/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,935
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,737
−HK$1,831/mo
Today · 4.125%
HK$61,568
baseline
▲ 0.50% · 4.625%
HK$65,314
+HK$3,746/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,136/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,452
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,180
−HK$1,754/mo
Today · 4.125%
HK$67,934
baseline
▲ 0.50% · 4.625%
HK$71,515
+HK$3,581/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,868/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,591
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,693
−HK$2,136/mo
Today · 4.125%
HK$71,829
baseline
▲ 0.50% · 4.625%
HK$76,200
+HK$4,371/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,658/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,194
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,210
−HK$2,046/mo
Today · 4.125%
HK$79,256
baseline
▲ 0.50% · 4.625%
HK$83,434
+HK$4,178/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,512/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,902
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,605
−HK$2,747/mo
Today · 4.125%
HK$92,352
baseline
▲ 0.50% · 4.625%
HK$97,971
+HK$5,619/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,704/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,678
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,271
−HK$2,630/mo
Today · 4.125%
HK$101,901
baseline
▲ 0.50% · 4.625%
HK$107,272
+HK$5,371/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,802/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,261 · Scale 2, in force from 26 Feb 2026)