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$48,289
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,791
−HK$1,526/mo
Today · 4.125%
HK$51,317
baseline
▲ 0.50% · 4.625%
HK$54,440
+HK$3,123/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,634/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,721
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,162
−HK$1,461/mo
Today · 4.125%
HK$56,623
baseline
▲ 0.50% · 4.625%
HK$59,608
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,246/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,947
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,749
−HK$1,832/mo
Today · 4.125%
HK$61,581
baseline
▲ 0.50% · 4.625%
HK$65,328
+HK$3,747/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,162/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,465
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,194
−HK$1,754/mo
Today · 4.125%
HK$67,948
baseline
▲ 0.50% · 4.625%
HK$71,530
+HK$3,582/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,896/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,605
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,707
−HK$2,137/mo
Today · 4.125%
HK$71,844
baseline
▲ 0.50% · 4.625%
HK$76,216
+HK$4,372/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,688/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,209
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,227
−HK$2,046/mo
Today · 4.125%
HK$79,273
baseline
▲ 0.50% · 4.625%
HK$83,451
+HK$4,178/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,546/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,920
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$89,624
−HK$2,747/mo
Today · 4.125%
HK$92,371
baseline
▲ 0.50% · 4.625%
HK$97,991
+HK$5,620/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,742/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,698
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,291
−HK$2,631/mo
Today · 4.125%
HK$101,922
baseline
▲ 0.50% · 4.625%
HK$107,295
+HK$5,373/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,844/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,701 · Scale 2, in force from 26 Feb 2026)