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$48,277
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,779
−HK$1,526/mo
Today · 4.125%
HK$51,305
baseline
▲ 0.50% · 4.625%
HK$54,427
+HK$3,122/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,610/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,708
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,148
−HK$1,462/mo
Today · 4.125%
HK$56,610
baseline
▲ 0.50% · 4.625%
HK$59,594
+HK$2,984/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,220/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,933
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,735
−HK$1,831/mo
Today · 4.125%
HK$61,566
baseline
▲ 0.50% · 4.625%
HK$65,312
+HK$3,746/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,132/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,450
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,178
−HK$1,754/mo
Today · 4.125%
HK$67,932
baseline
▲ 0.50% · 4.625%
HK$71,512
+HK$3,580/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,864/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,588
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,691
−HK$2,136/mo
Today · 4.125%
HK$71,827
baseline
▲ 0.50% · 4.625%
HK$76,197
+HK$4,370/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,654/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,191
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,208
−HK$2,046/mo
Today · 4.125%
HK$79,254
baseline
▲ 0.50% · 4.625%
HK$83,431
+HK$4,177/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,508/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,899
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,602
−HK$2,747/mo
Today · 4.125%
HK$92,349
baseline
▲ 0.50% · 4.625%
HK$97,968
+HK$5,619/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,698/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,674
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,267
−HK$2,631/mo
Today · 4.125%
HK$101,898
baseline
▲ 0.50% · 4.625%
HK$107,269
+HK$5,371/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,796/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,189 · Scale 2, in force from 26 Feb 2026)