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$48,288
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,790
−HK$1,526/mo
Today · 4.125%
HK$51,316
baseline
▲ 0.50% · 4.625%
HK$54,438
+HK$3,122/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,632/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,719
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,160
−HK$1,462/mo
Today · 4.125%
HK$56,622
baseline
▲ 0.50% · 4.625%
HK$59,606
+HK$2,984/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,244/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,945
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,747
−HK$1,832/mo
Today · 4.125%
HK$61,579
baseline
▲ 0.50% · 4.625%
HK$65,326
+HK$3,747/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,158/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,463
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,192
−HK$1,754/mo
Today · 4.125%
HK$67,946
baseline
▲ 0.50% · 4.625%
HK$71,528
+HK$3,582/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,892/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,603
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,705
−HK$2,137/mo
Today · 4.125%
HK$71,842
baseline
▲ 0.50% · 4.625%
HK$76,213
+HK$4,371/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,684/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,207
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,224
−HK$2,046/mo
Today · 4.125%
HK$79,270
baseline
▲ 0.50% · 4.625%
HK$83,449
+HK$4,179/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,540/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,918
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,621
−HK$2,747/mo
Today · 4.125%
HK$92,368
baseline
▲ 0.50% · 4.625%
HK$97,988
+HK$5,620/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,736/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,695
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,288
−HK$2,631/mo
Today · 4.125%
HK$101,919
baseline
▲ 0.50% · 4.625%
HK$107,291
+HK$5,372/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,838/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,636 · Scale 2, in force from 26 Feb 2026)