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$48,220
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,720
−HK$1,524/mo
Today · 4.125%
HK$51,244
baseline
▲ 0.50% · 4.625%
HK$54,362
+HK$3,118/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,488/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,645
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,083
−HK$1,460/mo
Today · 4.125%
HK$56,543
baseline
▲ 0.50% · 4.625%
HK$59,523
+HK$2,980/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,086/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,864
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,664
−HK$1,829/mo
Today · 4.125%
HK$61,493
baseline
▲ 0.50% · 4.625%
HK$65,235
+HK$3,742/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$122,986/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,374
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,100
−HK$1,751/mo
Today · 4.125%
HK$67,851
baseline
▲ 0.50% · 4.625%
HK$71,428
+HK$3,577/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,702/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,508
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,608
−HK$2,134/mo
Today · 4.125%
HK$71,742
baseline
▲ 0.50% · 4.625%
HK$76,107
+HK$4,365/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,484/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,102
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,117
−HK$2,043/mo
Today · 4.125%
HK$79,160
baseline
▲ 0.50% · 4.625%
HK$83,333
+HK$4,173/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,320/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,797
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,496
−HK$2,744/mo
Today · 4.125%
HK$92,240
baseline
▲ 0.50% · 4.625%
HK$97,852
+HK$5,612/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,480/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,560
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,150
−HK$2,627/mo
Today · 4.125%
HK$101,777
baseline
▲ 0.50% · 4.625%
HK$107,142
+HK$5,365/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,554/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,689 · Scale 2, in force from 26 Feb 2026)