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$48,303
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,805
−HK$1,527/mo
Today · 4.125%
HK$51,332
baseline
▲ 0.50% · 4.625%
HK$54,455
+HK$3,123/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,664/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,736
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,178
−HK$1,462/mo
Today · 4.125%
HK$56,640
baseline
▲ 0.50% · 4.625%
HK$59,625
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,280/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,963
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,766
−HK$1,832/mo
Today · 4.125%
HK$61,598
baseline
▲ 0.50% · 4.625%
HK$65,346
+HK$3,748/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,196/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,484
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,213
−HK$1,754/mo
Today · 4.125%
HK$67,967
baseline
▲ 0.50% · 4.625%
HK$71,550
+HK$3,583/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,934/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,624
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,727
−HK$2,137/mo
Today · 4.125%
HK$71,864
baseline
▲ 0.50% · 4.625%
HK$76,237
+HK$4,373/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$143,728/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,231
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,249
−HK$2,046/mo
Today · 4.125%
HK$79,295
baseline
▲ 0.50% · 4.625%
HK$83,475
+HK$4,180/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$158,590/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,945
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,649
−HK$2,748/mo
Today · 4.125%
HK$92,397
baseline
▲ 0.50% · 4.625%
HK$98,019
+HK$5,622/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,794/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,725
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,320
−HK$2,631/mo
Today · 4.125%
HK$101,951
baseline
▲ 0.50% · 4.625%
HK$107,325
+HK$5,374/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,902/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,305 · Scale 2, in force from 26 Feb 2026)