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$48,278
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,780
−HK$1,526/mo
Today · 4.125%
HK$51,306
baseline
▲ 0.50% · 4.625%
HK$54,428
+HK$3,122/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,612/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,709
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,150
−HK$1,461/mo
Today · 4.125%
HK$56,611
baseline
▲ 0.50% · 4.625%
HK$59,595
+HK$2,984/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,222/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,934
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,736
−HK$1,831/mo
Today · 4.125%
HK$61,567
baseline
▲ 0.50% · 4.625%
HK$65,313
+HK$3,746/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,134/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,451
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,179
−HK$1,754/mo
Today · 4.125%
HK$67,933
baseline
▲ 0.50% · 4.625%
HK$71,514
+HK$3,581/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,866/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,590
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,692
−HK$2,136/mo
Today · 4.125%
HK$71,828
baseline
▲ 0.50% · 4.625%
HK$76,199
+HK$4,371/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,656/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,193
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,209
−HK$2,046/mo
Today · 4.125%
HK$79,255
baseline
▲ 0.50% · 4.625%
HK$83,433
+HK$4,178/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,510/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,901
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,604
−HK$2,746/mo
Today · 4.125%
HK$92,350
baseline
▲ 0.50% · 4.625%
HK$97,970
+HK$5,620/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,700/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,676
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,269
−HK$2,630/mo
Today · 4.125%
HK$101,899
baseline
▲ 0.50% · 4.625%
HK$107,271
+HK$5,372/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,798/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,229 · Scale 2, in force from 26 Feb 2026)