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$48,317
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,820
−HK$1,527/mo
Today · 4.125%
HK$51,347
baseline
▲ 0.50% · 4.625%
HK$54,472
+HK$3,125/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,694/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,753
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,194
−HK$1,463/mo
Today · 4.125%
HK$56,657
baseline
▲ 0.50% · 4.625%
HK$59,643
+HK$2,986/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,314/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,981
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,784
−HK$1,833/mo
Today · 4.125%
HK$61,617
baseline
▲ 0.50% · 4.625%
HK$65,366
+HK$3,749/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$123,234/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,503
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,233
−HK$1,755/mo
Today · 4.125%
HK$67,988
baseline
▲ 0.50% · 4.625%
HK$71,572
+HK$3,584/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$135,976/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,644
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,749
−HK$2,137/mo
Today · 4.125%
HK$71,886
baseline
▲ 0.50% · 4.625%
HK$76,260
+HK$4,374/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,772/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$868,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,254
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,272
−HK$2,047/mo
Today · 4.125%
HK$79,319
baseline
▲ 0.50% · 4.625%
HK$83,501
+HK$4,182/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,638/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$868,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,971
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,677
−HK$2,748/mo
Today · 4.125%
HK$92,425
baseline
▲ 0.50% · 4.625%
HK$98,049
+HK$5,624/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,850/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,755
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,350
−HK$2,632/mo
Today · 4.125%
HK$101,982
baseline
▲ 0.50% · 4.625%
HK$107,358
+HK$5,376/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,964/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,949 · Scale 2, in force from 26 Feb 2026)