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$3,029/mo
▼ 0.25% · 3.875%
HK$49,806
−HK$1,527/mo
Today · 4.125%
HK$51,333
baseline
▲ 0.50% · 4.625%
HK$54,457
+HK$3,124/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,666/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,738
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,179
−HK$1,462/mo
Today · 4.125%
HK$56,641
baseline
▲ 0.50% · 4.625%
HK$59,627
+HK$2,986/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,282/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,356 · 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$65,348
+HK$3,748/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$868,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,485
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,215
−HK$1,754/mo
Today · 4.125%
HK$67,969
baseline
▲ 0.50% · 4.625%
HK$71,552
+HK$3,583/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,938/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,626
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,729
−HK$2,137/mo
Today · 4.125%
HK$71,866
baseline
▲ 0.50% · 4.625%
HK$76,239
+HK$4,373/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,732/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,233
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,250
−HK$2,047/mo
Today · 4.125%
HK$79,297
baseline
▲ 0.50% · 4.625%
HK$83,477
+HK$4,180/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,594/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,947
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,652
−HK$2,747/mo
Today · 4.125%
HK$92,399
baseline
▲ 0.50% · 4.625%
HK$98,022
+HK$5,623/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,798/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,728
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,322
−HK$2,632/mo
Today · 4.125%
HK$101,954
baseline
▲ 0.50% · 4.625%
HK$107,328
+HK$5,374/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,908/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,356 · Scale 2, in force from 26 Feb 2026)