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$48,247
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,748
−HK$1,525/mo
Today · 4.125%
HK$51,273
baseline
▲ 0.50% · 4.625%
HK$54,393
+HK$3,120/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,546/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$865,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,675
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,114
−HK$1,460/mo
Today · 4.125%
HK$56,574
baseline
▲ 0.50% · 4.625%
HK$59,557
+HK$2,983/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,148/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$865,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,897
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,698
−HK$1,829/mo
Today · 4.125%
HK$61,527
baseline
▲ 0.50% · 4.625%
HK$65,271
+HK$3,744/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$123,054/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,409
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,137
−HK$1,752/mo
Today · 4.125%
HK$67,889
baseline
▲ 0.50% · 4.625%
HK$71,468
+HK$3,579/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$135,778/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,546
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,647
−HK$2,135/mo
Today · 4.125%
HK$71,782
baseline
▲ 0.50% · 4.625%
HK$76,150
+HK$4,368/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,564/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,144
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,160
−HK$2,044/mo
Today · 4.125%
HK$79,204
baseline
▲ 0.50% · 4.625%
HK$83,379
+HK$4,175/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,408/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,845
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,546
−HK$2,745/mo
Today · 4.125%
HK$92,291
baseline
▲ 0.50% · 4.625%
HK$97,907
+HK$5,616/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,582/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,614
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,205
−HK$2,629/mo
Today · 4.125%
HK$101,834
baseline
▲ 0.50% · 4.625%
HK$107,202
+HK$5,368/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,668/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,868 · Scale 2, in force from 26 Feb 2026)