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$48,261
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,762
−HK$1,525/mo
Today · 4.125%
HK$51,287
baseline
▲ 0.50% · 4.625%
HK$54,408
+HK$3,121/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,574/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,690
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,130
−HK$1,461/mo
Today · 4.125%
HK$56,591
baseline
▲ 0.50% · 4.625%
HK$59,574
+HK$2,983/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,182/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,913
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,715
−HK$1,830/mo
Today · 4.125%
HK$61,545
baseline
▲ 0.50% · 4.625%
HK$65,290
+HK$3,745/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,090/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,428
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,156
−HK$1,753/mo
Today · 4.125%
HK$67,909
baseline
▲ 0.50% · 4.625%
HK$71,488
+HK$3,579/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,818/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,565
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,667
−HK$2,135/mo
Today · 4.125%
HK$71,802
baseline
▲ 0.50% · 4.625%
HK$76,171
+HK$4,369/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,604/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,166
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,182
−HK$2,045/mo
Today · 4.125%
HK$79,227
baseline
▲ 0.50% · 4.625%
HK$83,403
+HK$4,176/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,454/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,870
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,572
−HK$2,745/mo
Today · 4.125%
HK$92,317
baseline
▲ 0.50% · 4.625%
HK$97,935
+HK$5,618/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,634/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,642
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,234
−HK$2,629/mo
Today · 4.125%
HK$101,863
baseline
▲ 0.50% · 4.625%
HK$107,232
+HK$5,369/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,726/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,475 · Scale 2, in force from 26 Feb 2026)