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$48,286
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,788
−HK$1,526/mo
Today · 4.125%
HK$51,314
baseline
▲ 0.50% · 4.625%
HK$54,436
+HK$3,122/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,628/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,718
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,159
−HK$1,461/mo
Today · 4.125%
HK$56,620
baseline
▲ 0.50% · 4.625%
HK$59,605
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,240/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,943
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,746
−HK$1,831/mo
Today · 4.125%
HK$61,577
baseline
▲ 0.50% · 4.625%
HK$65,324
+HK$3,747/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,154/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,461
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,190
−HK$1,754/mo
Today · 4.125%
HK$67,944
baseline
▲ 0.50% · 4.625%
HK$71,525
+HK$3,581/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,888/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,601
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,703
−HK$2,137/mo
Today · 4.125%
HK$71,840
baseline
▲ 0.50% · 4.625%
HK$76,211
+HK$4,371/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,680/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,205
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,222
−HK$2,046/mo
Today · 4.125%
HK$79,268
baseline
▲ 0.50% · 4.625%
HK$83,446
+HK$4,178/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,536/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,915
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,619
−HK$2,746/mo
Today · 4.125%
HK$92,365
baseline
▲ 0.50% · 4.625%
HK$97,986
+HK$5,621/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,730/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,692
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,285
−HK$2,631/mo
Today · 4.125%
HK$101,916
baseline
▲ 0.50% · 4.625%
HK$107,288
+HK$5,372/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,832/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,575 · Scale 2, in force from 26 Feb 2026)