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$48,203
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,702
−HK$1,523/mo
Today · 4.125%
HK$51,225
baseline
▲ 0.50% · 4.625%
HK$54,342
+HK$3,117/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,450/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,625
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,063
−HK$1,459/mo
Today · 4.125%
HK$56,522
baseline
▲ 0.50% · 4.625%
HK$59,501
+HK$2,979/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,044/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,843
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,642
−HK$1,828/mo
Today · 4.125%
HK$61,470
baseline
▲ 0.50% · 4.625%
HK$65,211
+HK$3,741/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$122,940/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,350
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,076
−HK$1,750/mo
Today · 4.125%
HK$67,826
baseline
▲ 0.50% · 4.625%
HK$71,402
+HK$3,576/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$135,652/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,484
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,583
−HK$2,132/mo
Today · 4.125%
HK$71,715
baseline
▲ 0.50% · 4.625%
HK$76,079
+HK$4,364/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,430/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$863,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,075
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,088
−HK$2,043/mo
Today · 4.125%
HK$79,131
baseline
▲ 0.50% · 4.625%
HK$83,302
+HK$4,171/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,262/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$863,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,765
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,463
−HK$2,742/mo
Today · 4.125%
HK$92,205
baseline
▲ 0.50% · 4.625%
HK$97,816
+HK$5,611/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,410/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,525
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,113
−HK$2,627/mo
Today · 4.125%
HK$101,740
baseline
▲ 0.50% · 4.625%
HK$107,102
+HK$5,362/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,480/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,907 · Scale 2, in force from 26 Feb 2026)