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$48,275
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,777
−HK$1,525/mo
Today · 4.125%
HK$51,302
baseline
▲ 0.50% · 4.625%
HK$54,424
+HK$3,122/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,604/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,706
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,146
−HK$1,461/mo
Today · 4.125%
HK$56,607
baseline
▲ 0.50% · 4.625%
HK$59,591
+HK$2,984/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,214/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,930
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,732
−HK$1,831/mo
Today · 4.125%
HK$61,563
baseline
▲ 0.50% · 4.625%
HK$65,309
+HK$3,746/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,126/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,447
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,175
−HK$1,754/mo
Today · 4.125%
HK$67,929
baseline
▲ 0.50% · 4.625%
HK$71,509
+HK$3,580/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,858/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,585
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,687
−HK$2,136/mo
Today · 4.125%
HK$71,823
baseline
▲ 0.50% · 4.625%
HK$76,194
+HK$4,371/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,646/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,188
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,204
−HK$2,046/mo
Today · 4.125%
HK$79,250
baseline
▲ 0.50% · 4.625%
HK$83,427
+HK$4,177/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,500/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,895
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,598
−HK$2,746/mo
Today · 4.125%
HK$92,344
baseline
▲ 0.50% · 4.625%
HK$97,963
+HK$5,619/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,688/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,670
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,263
−HK$2,630/mo
Today · 4.125%
HK$101,893
baseline
▲ 0.50% · 4.625%
HK$107,264
+HK$5,371/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,786/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,092 · Scale 2, in force from 26 Feb 2026)