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$48,276
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,778
−HK$1,526/mo
Today · 4.125%
HK$51,304
baseline
▲ 0.50% · 4.625%
HK$54,425
+HK$3,121/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,608/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,707
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,147
−HK$1,462/mo
Today · 4.125%
HK$56,609
baseline
▲ 0.50% · 4.625%
HK$59,592
+HK$2,983/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,218/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$867,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,932
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,734
−HK$1,830/mo
Today · 4.125%
HK$61,564
baseline
▲ 0.50% · 4.625%
HK$65,311
+HK$3,747/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,128/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,448
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,177
−HK$1,753/mo
Today · 4.125%
HK$67,930
baseline
▲ 0.50% · 4.625%
HK$71,511
+HK$3,581/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,860/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,587
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,689
−HK$2,136/mo
Today · 4.125%
HK$71,825
baseline
▲ 0.50% · 4.625%
HK$76,196
+HK$4,371/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,650/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,190
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,206
−HK$2,046/mo
Today · 4.125%
HK$79,252
baseline
▲ 0.50% · 4.625%
HK$83,429
+HK$4,177/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,504/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,897
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,600
−HK$2,747/mo
Today · 4.125%
HK$92,347
baseline
▲ 0.50% · 4.625%
HK$97,966
+HK$5,619/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,694/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,673
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,265
−HK$2,630/mo
Today · 4.125%
HK$101,895
baseline
▲ 0.50% · 4.625%
HK$107,266
+HK$5,371/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,790/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$867,146 · Scale 2, in force from 26 Feb 2026)