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$48,239
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,740
−HK$1,525/mo
Today · 4.125%
HK$51,265
baseline
▲ 0.50% · 4.625%
HK$54,384
+HK$3,119/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,530/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,666
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,105
−HK$1,460/mo
Today · 4.125%
HK$56,565
baseline
▲ 0.50% · 4.625%
HK$59,547
+HK$2,982/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,130/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,887
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,688
−HK$1,829/mo
Today · 4.125%
HK$61,517
baseline
▲ 0.50% · 4.625%
HK$65,261
+HK$3,744/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,034/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,399
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,126
−HK$1,752/mo
Today · 4.125%
HK$67,878
baseline
▲ 0.50% · 4.625%
HK$71,456
+HK$3,578/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,756/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,535
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,636
−HK$2,134/mo
Today · 4.125%
HK$71,770
baseline
▲ 0.50% · 4.625%
HK$76,137
+HK$4,367/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,540/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,132
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,147
−HK$2,044/mo
Today · 4.125%
HK$79,191
baseline
▲ 0.50% · 4.625%
HK$83,366
+HK$4,175/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,382/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,831
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,532
−HK$2,744/mo
Today · 4.125%
HK$92,276
baseline
▲ 0.50% · 4.625%
HK$97,891
+HK$5,615/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,552/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,599
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,189
−HK$2,629/mo
Today · 4.125%
HK$101,818
baseline
▲ 0.50% · 4.625%
HK$107,185
+HK$5,367/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,636/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,529 · Scale 2, in force from 26 Feb 2026)