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$48,284
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,786
−HK$1,526/mo
Today · 4.125%
HK$51,312
baseline
▲ 0.50% · 4.625%
HK$54,434
+HK$3,122/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,624/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,715
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,156
−HK$1,461/mo
Today · 4.125%
HK$56,617
baseline
▲ 0.50% · 4.625%
HK$59,602
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,234/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,941
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,743
−HK$1,831/mo
Today · 4.125%
HK$61,574
baseline
▲ 0.50% · 4.625%
HK$65,321
+HK$3,747/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,148/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,458
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,187
−HK$1,754/mo
Today · 4.125%
HK$67,941
baseline
▲ 0.50% · 4.625%
HK$71,522
+HK$3,581/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,882/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,597
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,700
−HK$2,136/mo
Today · 4.125%
HK$71,836
baseline
▲ 0.50% · 4.625%
HK$76,207
+HK$4,371/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,672/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,201
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,218
−HK$2,046/mo
Today · 4.125%
HK$79,264
baseline
▲ 0.50% · 4.625%
HK$83,442
+HK$4,178/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,528/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,911
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,614
−HK$2,747/mo
Today · 4.125%
HK$92,361
baseline
▲ 0.50% · 4.625%
HK$97,981
+HK$5,620/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,722/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,688
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,281
−HK$2,630/mo
Today · 4.125%
HK$101,911
baseline
▲ 0.50% · 4.625%
HK$107,283
+HK$5,372/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,822/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,476 · Scale 2, in force from 26 Feb 2026)