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$48,316
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,819
−HK$1,527/mo
Today · 4.125%
HK$51,346
baseline
▲ 0.50% · 4.625%
HK$54,470
+HK$3,124/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,692/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,751
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,192
−HK$1,463/mo
Today · 4.125%
HK$56,655
baseline
▲ 0.50% · 4.625%
HK$59,641
+HK$2,986/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,310/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,979
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,782
−HK$1,833/mo
Today · 4.125%
HK$61,615
baseline
▲ 0.50% · 4.625%
HK$65,364
+HK$3,749/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$123,230/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,501
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,231
−HK$1,755/mo
Today · 4.125%
HK$67,986
baseline
▲ 0.50% · 4.625%
HK$71,569
+HK$3,583/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$135,972/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,642
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,746
−HK$2,138/mo
Today · 4.125%
HK$71,884
baseline
▲ 0.50% · 4.625%
HK$76,258
+HK$4,374/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,768/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$868,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,251
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,269
−HK$2,048/mo
Today · 4.125%
HK$79,317
baseline
▲ 0.50% · 4.625%
HK$83,498
+HK$4,181/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,634/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$868,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,968
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,674
−HK$2,748/mo
Today · 4.125%
HK$92,422
baseline
▲ 0.50% · 4.625%
HK$98,046
+HK$5,624/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,844/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,752
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,346
−HK$2,633/mo
Today · 4.125%
HK$101,979
baseline
▲ 0.50% · 4.625%
HK$107,354
+HK$5,375/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,958/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,876 · Scale 2, in force from 26 Feb 2026)