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$48,306
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,808
−HK$1,527/mo
Today · 4.125%
HK$51,335
baseline
▲ 0.50% · 4.625%
HK$54,459
+HK$3,124/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,670/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,740
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,181
−HK$1,462/mo
Today · 4.125%
HK$56,643
baseline
▲ 0.50% · 4.625%
HK$59,629
+HK$2,986/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,286/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,967
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,770
−HK$1,832/mo
Today · 4.125%
HK$61,602
baseline
▲ 0.50% · 4.625%
HK$65,350
+HK$3,748/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,204/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,488
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,217
−HK$1,755/mo
Today · 4.125%
HK$67,972
baseline
▲ 0.50% · 4.625%
HK$71,554
+HK$3,582/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,944/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,628
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,732
−HK$2,137/mo
Today · 4.125%
HK$71,869
baseline
▲ 0.50% · 4.625%
HK$76,242
+HK$4,373/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,738/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,235
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$77,253
−HK$2,047/mo
Today · 4.125%
HK$79,300
baseline
▲ 0.50% · 4.625%
HK$83,480
+HK$4,180/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,600/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,950
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,655
−HK$2,748/mo
Today · 4.125%
HK$92,403
baseline
▲ 0.50% · 4.625%
HK$98,025
+HK$5,622/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,806/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,731
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,326
−HK$2,631/mo
Today · 4.125%
HK$101,957
baseline
▲ 0.50% · 4.625%
HK$107,332
+HK$5,375/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,914/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,433 · Scale 2, in force from 26 Feb 2026)