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$48,304
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,807
−HK$1,527/mo
Today · 4.125%
HK$51,334
baseline
▲ 0.50% · 4.625%
HK$54,457
+HK$3,123/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,668/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,738
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,179
−HK$1,463/mo
Today · 4.125%
HK$56,642
baseline
▲ 0.50% · 4.625%
HK$59,627
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,284/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,965
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,768
−HK$1,832/mo
Today · 4.125%
HK$61,600
baseline
▲ 0.50% · 4.625%
HK$65,349
+HK$3,749/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,200/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,486
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,215
−HK$1,755/mo
Today · 4.125%
HK$67,970
baseline
▲ 0.50% · 4.625%
HK$71,553
+HK$3,583/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,940/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,626
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,730
−HK$2,137/mo
Today · 4.125%
HK$71,867
baseline
▲ 0.50% · 4.625%
HK$76,240
+HK$4,373/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,734/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,234
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,251
−HK$2,047/mo
Today · 4.125%
HK$79,298
baseline
▲ 0.50% · 4.625%
HK$83,478
+HK$4,180/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,596/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,948
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,653
−HK$2,747/mo
Today · 4.125%
HK$92,400
baseline
▲ 0.50% · 4.625%
HK$98,023
+HK$5,623/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,800/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,729
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,323
−HK$2,632/mo
Today · 4.125%
HK$101,955
baseline
▲ 0.50% · 4.625%
HK$107,329
+HK$5,374/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,910/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,379 · Scale 2, in force from 26 Feb 2026)