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$48,258
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,759
−HK$1,525/mo
Today · 4.125%
HK$51,284
baseline
▲ 0.50% · 4.625%
HK$54,404
+HK$3,120/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,568/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,686
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,126
−HK$1,460/mo
Today · 4.125%
HK$56,586
baseline
▲ 0.50% · 4.625%
HK$59,569
+HK$2,983/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,172/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,909
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,710
−HK$1,830/mo
Today · 4.125%
HK$61,540
baseline
▲ 0.50% · 4.625%
HK$65,285
+HK$3,745/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,080/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,423
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,151
−HK$1,753/mo
Today · 4.125%
HK$67,904
baseline
▲ 0.50% · 4.625%
HK$71,483
+HK$3,579/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,808/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,561
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,662
−HK$2,135/mo
Today · 4.125%
HK$71,797
baseline
▲ 0.50% · 4.625%
HK$76,166
+HK$4,369/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,594/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,160
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,176
−HK$2,045/mo
Today · 4.125%
HK$79,221
baseline
▲ 0.50% · 4.625%
HK$83,397
+HK$4,176/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,442/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,864
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,565
−HK$2,746/mo
Today · 4.125%
HK$92,311
baseline
▲ 0.50% · 4.625%
HK$97,927
+HK$5,616/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,622/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,635
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,226
−HK$2,630/mo
Today · 4.125%
HK$101,856
baseline
▲ 0.50% · 4.625%
HK$107,225
+HK$5,369/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,712/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,319 · Scale 2, in force from 26 Feb 2026)