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$48,297
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,800
−HK$1,526/mo
Today · 4.125%
HK$51,326
baseline
▲ 0.50% · 4.625%
HK$54,449
+HK$3,123/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,652/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,730
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,171
−HK$1,462/mo
Today · 4.125%
HK$56,633
baseline
▲ 0.50% · 4.625%
HK$59,618
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,266/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,957
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,759
−HK$1,832/mo
Today · 4.125%
HK$61,591
baseline
▲ 0.50% · 4.625%
HK$65,339
+HK$3,748/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,182/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,476
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,205
−HK$1,755/mo
Today · 4.125%
HK$67,960
baseline
▲ 0.50% · 4.625%
HK$71,542
+HK$3,582/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,920/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,616
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,719
−HK$2,137/mo
Today · 4.125%
HK$71,856
baseline
▲ 0.50% · 4.625%
HK$76,229
+HK$4,373/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$143,712/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,222
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,240
−HK$2,046/mo
Today · 4.125%
HK$79,286
baseline
▲ 0.50% · 4.625%
HK$83,466
+HK$4,180/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$158,572/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,935
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,639
−HK$2,748/mo
Today · 4.125%
HK$92,387
baseline
▲ 0.50% · 4.625%
HK$98,008
+HK$5,621/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,774/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,714
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$99,308
−HK$2,631/mo
Today · 4.125%
HK$101,939
baseline
▲ 0.50% · 4.625%
HK$107,313
+HK$5,374/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,878/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,061 · Scale 2, in force from 26 Feb 2026)