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$48,307
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,809
−HK$1,527/mo
Today · 4.125%
HK$51,336
baseline
▲ 0.50% · 4.625%
HK$54,460
+HK$3,124/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,672/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,741
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,182
−HK$1,462/mo
Today · 4.125%
HK$56,644
baseline
▲ 0.50% · 4.625%
HK$59,630
+HK$2,986/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,288/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,968
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,771
−HK$1,832/mo
Today · 4.125%
HK$61,603
baseline
▲ 0.50% · 4.625%
HK$65,352
+HK$3,749/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,206/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,489
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,219
−HK$1,754/mo
Today · 4.125%
HK$67,973
baseline
▲ 0.50% · 4.625%
HK$71,556
+HK$3,583/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,946/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,629
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,733
−HK$2,137/mo
Today · 4.125%
HK$71,870
baseline
▲ 0.50% · 4.625%
HK$76,244
+HK$4,374/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,740/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,237
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,255
−HK$2,047/mo
Today · 4.125%
HK$79,302
baseline
▲ 0.50% · 4.625%
HK$83,482
+HK$4,180/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,604/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,952
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,657
−HK$2,748/mo
Today · 4.125%
HK$92,405
baseline
▲ 0.50% · 4.625%
HK$98,027
+HK$5,622/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,810/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,733
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,328
−HK$2,632/mo
Today · 4.125%
HK$101,960
baseline
▲ 0.50% · 4.625%
HK$107,334
+HK$5,374/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,920/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,481 · Scale 2, in force from 26 Feb 2026)