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$48,290
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,792
−HK$1,527/mo
Today · 4.125%
HK$51,319
baseline
▲ 0.50% · 4.625%
HK$54,441
+HK$3,122/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,638/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,722
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,163
−HK$1,462/mo
Today · 4.125%
HK$56,625
baseline
▲ 0.50% · 4.625%
HK$59,610
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,250/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,948
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,751
−HK$1,831/mo
Today · 4.125%
HK$61,582
baseline
▲ 0.50% · 4.625%
HK$65,329
+HK$3,747/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,164/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,467
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,196
−HK$1,754/mo
Today · 4.125%
HK$67,950
baseline
▲ 0.50% · 4.625%
HK$71,532
+HK$3,582/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,900/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,606
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,709
−HK$2,137/mo
Today · 4.125%
HK$71,846
baseline
▲ 0.50% · 4.625%
HK$76,218
+HK$4,372/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,692/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,211
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,229
−HK$2,046/mo
Today · 4.125%
HK$79,275
baseline
▲ 0.50% · 4.625%
HK$83,454
+HK$4,179/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,550/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,923
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,626
−HK$2,747/mo
Today · 4.125%
HK$92,373
baseline
▲ 0.50% · 4.625%
HK$97,994
+HK$5,621/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,746/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,700
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$99,294
−HK$2,631/mo
Today · 4.125%
HK$101,925
baseline
▲ 0.50% · 4.625%
HK$107,297
+HK$5,372/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,850/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,758 · Scale 2, in force from 26 Feb 2026)