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$48,273
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,774
−HK$1,526/mo
Today · 4.125%
HK$51,300
baseline
▲ 0.50% · 4.625%
HK$54,421
+HK$3,121/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,600/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,703
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,143
−HK$1,461/mo
Today · 4.125%
HK$56,604
baseline
▲ 0.50% · 4.625%
HK$59,588
+HK$2,984/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,208/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,927
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,729
−HK$1,831/mo
Today · 4.125%
HK$61,560
baseline
▲ 0.50% · 4.625%
HK$65,305
+HK$3,745/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,120/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,443
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,172
−HK$1,753/mo
Today · 4.125%
HK$67,925
baseline
▲ 0.50% · 4.625%
HK$71,505
+HK$3,580/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,850/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,582
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,684
−HK$2,136/mo
Today · 4.125%
HK$71,820
baseline
▲ 0.50% · 4.625%
HK$76,190
+HK$4,370/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,640/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,184
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,200
−HK$2,046/mo
Today · 4.125%
HK$79,246
baseline
▲ 0.50% · 4.625%
HK$83,423
+HK$4,177/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,492/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,891
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,594
−HK$2,746/mo
Today · 4.125%
HK$92,340
baseline
▲ 0.50% · 4.625%
HK$97,958
+HK$5,618/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,680/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,665
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,258
−HK$2,630/mo
Today · 4.125%
HK$101,888
baseline
▲ 0.50% · 4.625%
HK$107,258
+HK$5,370/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,776/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,984 · Scale 2, in force from 26 Feb 2026)