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$48,269
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,770
−HK$1,526/mo
Today · 4.125%
HK$51,296
baseline
▲ 0.50% · 4.625%
HK$54,417
+HK$3,121/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,592/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,699
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,139
−HK$1,461/mo
Today · 4.125%
HK$56,600
baseline
▲ 0.50% · 4.625%
HK$59,583
+HK$2,983/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,200/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,923
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,725
−HK$1,830/mo
Today · 4.125%
HK$61,555
baseline
▲ 0.50% · 4.625%
HK$65,301
+HK$3,746/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,110/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,439
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,167
−HK$1,753/mo
Today · 4.125%
HK$67,920
baseline
▲ 0.50% · 4.625%
HK$71,500
+HK$3,580/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,840/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,577
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,679
−HK$2,135/mo
Today · 4.125%
HK$71,814
baseline
▲ 0.50% · 4.625%
HK$76,184
+HK$4,370/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,628/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,178
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,194
−HK$2,046/mo
Today · 4.125%
HK$79,240
baseline
▲ 0.50% · 4.625%
HK$83,417
+HK$4,177/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,480/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,884
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,587
−HK$2,746/mo
Today · 4.125%
HK$92,333
baseline
▲ 0.50% · 4.625%
HK$97,951
+HK$5,618/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,666/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,658
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,250
−HK$2,630/mo
Today · 4.125%
HK$101,880
baseline
▲ 0.50% · 4.625%
HK$107,250
+HK$5,370/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,760/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,823 · Scale 2, in force from 26 Feb 2026)