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$48,235
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,735
−HK$1,525/mo
Today · 4.125%
HK$51,260
baseline
▲ 0.50% · 4.625%
HK$54,379
+HK$3,119/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,520/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,661
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,100
−HK$1,460/mo
Today · 4.125%
HK$56,560
baseline
▲ 0.50% · 4.625%
HK$59,541
+HK$2,981/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,120/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,882
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,682
−HK$1,830/mo
Today · 4.125%
HK$61,512
baseline
▲ 0.50% · 4.625%
HK$65,254
+HK$3,742/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,024/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,393
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,120
−HK$1,752/mo
Today · 4.125%
HK$67,872
baseline
▲ 0.50% · 4.625%
HK$71,450
+HK$3,578/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,744/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,529
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,629
−HK$2,134/mo
Today · 4.125%
HK$71,763
baseline
▲ 0.50% · 4.625%
HK$76,130
+HK$4,367/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,526/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,125
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,140
−HK$2,044/mo
Today · 4.125%
HK$79,184
baseline
▲ 0.50% · 4.625%
HK$83,358
+HK$4,174/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,368/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,823
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,523
−HK$2,744/mo
Today · 4.125%
HK$92,267
baseline
▲ 0.50% · 4.625%
HK$97,882
+HK$5,615/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,534/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,589
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,180
−HK$2,628/mo
Today · 4.125%
HK$101,808
baseline
▲ 0.50% · 4.625%
HK$107,174
+HK$5,366/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,616/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,326 · Scale 2, in force from 26 Feb 2026)