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$48,310
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,813
−HK$1,527/mo
Today · 4.125%
HK$51,340
baseline
▲ 0.50% · 4.625%
HK$54,464
+HK$3,124/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,680/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,745
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,186
−HK$1,462/mo
Today · 4.125%
HK$56,648
baseline
▲ 0.50% · 4.625%
HK$59,635
+HK$2,987/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,296/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,972
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,776
−HK$1,832/mo
Today · 4.125%
HK$61,608
baseline
▲ 0.50% · 4.625%
HK$65,357
+HK$3,749/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,216/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,494
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,223
−HK$1,755/mo
Today · 4.125%
HK$67,978
baseline
▲ 0.50% · 4.625%
HK$71,561
+HK$3,583/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,956/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,635
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,738
−HK$2,138/mo
Today · 4.125%
HK$71,876
baseline
▲ 0.50% · 4.625%
HK$76,249
+HK$4,373/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,752/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,243
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,261
−HK$2,047/mo
Today · 4.125%
HK$79,308
baseline
▲ 0.50% · 4.625%
HK$83,488
+HK$4,180/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,616/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,959
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,664
−HK$2,748/mo
Today · 4.125%
HK$92,412
baseline
▲ 0.50% · 4.625%
HK$98,035
+HK$5,623/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,824/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,741
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,335
−HK$2,632/mo
Today · 4.125%
HK$101,967
baseline
▲ 0.50% · 4.625%
HK$107,342
+HK$5,375/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,934/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,639 · Scale 2, in force from 26 Feb 2026)