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$48,313
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,816
−HK$1,527/mo
Today · 4.125%
HK$51,343
baseline
▲ 0.50% · 4.625%
HK$54,467
+HK$3,124/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,686/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,748
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,189
−HK$1,463/mo
Today · 4.125%
HK$56,652
baseline
▲ 0.50% · 4.625%
HK$59,638
+HK$2,986/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,304/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,976
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,779
−HK$1,832/mo
Today · 4.125%
HK$61,611
baseline
▲ 0.50% · 4.625%
HK$65,360
+HK$3,749/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$123,222/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,497
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,227
−HK$1,755/mo
Today · 4.125%
HK$67,982
baseline
▲ 0.50% · 4.625%
HK$71,565
+HK$3,583/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$135,964/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,638
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,742
−HK$2,138/mo
Today · 4.125%
HK$71,880
baseline
▲ 0.50% · 4.625%
HK$76,254
+HK$4,374/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,760/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$868,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,247
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,265
−HK$2,047/mo
Today · 4.125%
HK$79,312
baseline
▲ 0.50% · 4.625%
HK$83,493
+HK$4,181/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,624/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$868,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,964
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,669
−HK$2,748/mo
Today · 4.125%
HK$92,417
baseline
▲ 0.50% · 4.625%
HK$98,040
+HK$5,623/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,834/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,746
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,341
−HK$2,632/mo
Today · 4.125%
HK$101,973
baseline
▲ 0.50% · 4.625%
HK$107,348
+HK$5,375/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,946/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,759 · Scale 2, in force from 26 Feb 2026)