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$48,293
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,795
−HK$1,526/mo
Today · 4.125%
HK$51,321
baseline
▲ 0.50% · 4.625%
HK$54,444
+HK$3,123/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,642/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,725
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,166
−HK$1,462/mo
Today · 4.125%
HK$56,628
baseline
▲ 0.50% · 4.625%
HK$59,613
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,256/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,951
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,754
−HK$1,831/mo
Today · 4.125%
HK$61,585
baseline
▲ 0.50% · 4.625%
HK$65,333
+HK$3,748/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,170/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,470
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,199
−HK$1,754/mo
Today · 4.125%
HK$67,953
baseline
▲ 0.50% · 4.625%
HK$71,535
+HK$3,582/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,906/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,610
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,713
−HK$2,136/mo
Today · 4.125%
HK$71,849
baseline
▲ 0.50% · 4.625%
HK$76,221
+HK$4,372/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$143,698/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,215
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,232
−HK$2,047/mo
Today · 4.125%
HK$79,279
baseline
▲ 0.50% · 4.625%
HK$83,458
+HK$4,179/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$158,558/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,927
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$89,631
−HK$2,747/mo
Today · 4.125%
HK$92,378
baseline
▲ 0.50% · 4.625%
HK$97,999
+HK$5,621/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,756/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,705
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$99,299
−HK$2,631/mo
Today · 4.125%
HK$101,930
baseline
▲ 0.50% · 4.625%
HK$107,303
+HK$5,373/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,860/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,860 · Scale 2, in force from 26 Feb 2026)