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$48,207
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,706
−HK$1,524/mo
Today · 4.125%
HK$51,230
baseline
▲ 0.50% · 4.625%
HK$54,347
+HK$3,117/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,460/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$864,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,629
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,068
−HK$1,459/mo
Today · 4.125%
HK$56,527
baseline
▲ 0.50% · 4.625%
HK$59,506
+HK$2,979/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,054/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$864,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,848
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,647
−HK$1,829/mo
Today · 4.125%
HK$61,476
baseline
▲ 0.50% · 4.625%
HK$65,216
+HK$3,740/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$122,952/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,355
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,081
−HK$1,751/mo
Today · 4.125%
HK$67,832
baseline
▲ 0.50% · 4.625%
HK$71,408
+HK$3,576/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$135,664/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,489
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,589
−HK$2,132/mo
Today · 4.125%
HK$71,721
baseline
▲ 0.50% · 4.625%
HK$76,086
+HK$4,365/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,442/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,081
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,095
−HK$2,043/mo
Today · 4.125%
HK$79,138
baseline
▲ 0.50% · 4.625%
HK$83,309
+HK$4,171/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,276/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,772
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,471
−HK$2,742/mo
Today · 4.125%
HK$92,213
baseline
▲ 0.50% · 4.625%
HK$97,824
+HK$5,611/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,426/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,533
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,122
−HK$2,626/mo
Today · 4.125%
HK$101,748
baseline
▲ 0.50% · 4.625%
HK$107,112
+HK$5,364/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,496/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,089 · Scale 2, in force from 26 Feb 2026)