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$48,294
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,796
−HK$1,526/mo
Today · 4.125%
HK$51,322
baseline
▲ 0.50% · 4.625%
HK$54,445
+HK$3,123/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,644/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,726
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,167
−HK$1,462/mo
Today · 4.125%
HK$56,629
baseline
▲ 0.50% · 4.625%
HK$59,614
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,258/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,953
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,755
−HK$1,832/mo
Today · 4.125%
HK$61,587
baseline
▲ 0.50% · 4.625%
HK$65,334
+HK$3,747/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,174/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,472
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,201
−HK$1,754/mo
Today · 4.125%
HK$67,955
baseline
▲ 0.50% · 4.625%
HK$71,537
+HK$3,582/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,910/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,611
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,714
−HK$2,137/mo
Today · 4.125%
HK$71,851
baseline
▲ 0.50% · 4.625%
HK$76,223
+HK$4,372/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$143,702/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,217
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,234
−HK$2,047/mo
Today · 4.125%
HK$79,281
baseline
▲ 0.50% · 4.625%
HK$83,460
+HK$4,179/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$158,562/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,929
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$89,633
−HK$2,747/mo
Today · 4.125%
HK$92,380
baseline
▲ 0.50% · 4.625%
HK$98,001
+HK$5,621/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,760/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,707
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$99,301
−HK$2,631/mo
Today · 4.125%
HK$101,932
baseline
▲ 0.50% · 4.625%
HK$107,305
+HK$5,373/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,864/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,910 · Scale 2, in force from 26 Feb 2026)