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$48,199
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,698
−HK$1,523/mo
Today · 4.125%
HK$51,221
baseline
▲ 0.50% · 4.625%
HK$54,338
+HK$3,117/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,442/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,621
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,059
−HK$1,459/mo
Today · 4.125%
HK$56,518
baseline
▲ 0.50% · 4.625%
HK$59,497
+HK$2,979/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,036/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,839
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,638
−HK$1,828/mo
Today · 4.125%
HK$61,466
baseline
▲ 0.50% · 4.625%
HK$65,206
+HK$3,740/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$122,932/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,345
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,071
−HK$1,750/mo
Today · 4.125%
HK$67,821
baseline
▲ 0.50% · 4.625%
HK$71,396
+HK$3,575/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$135,642/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,479
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,578
−HK$2,132/mo
Today · 4.125%
HK$71,710
baseline
▲ 0.50% · 4.625%
HK$76,073
+HK$4,363/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,420/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$863,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,069
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,083
−HK$2,042/mo
Today · 4.125%
HK$79,125
baseline
▲ 0.50% · 4.625%
HK$83,296
+HK$4,171/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,250/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$863,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,758
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,457
−HK$2,742/mo
Today · 4.125%
HK$92,199
baseline
▲ 0.50% · 4.625%
HK$97,809
+HK$5,610/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,398/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,518
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,106
−HK$2,626/mo
Today · 4.125%
HK$101,732
baseline
▲ 0.50% · 4.625%
HK$107,095
+HK$5,363/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,464/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,752 · Scale 2, in force from 26 Feb 2026)