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$48,226
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,727
−HK$1,524/mo
Today · 4.125%
HK$51,251
baseline
▲ 0.50% · 4.625%
HK$54,369
+HK$3,118/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,502/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,651
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,090
−HK$1,460/mo
Today · 4.125%
HK$56,550
baseline
▲ 0.50% · 4.625%
HK$59,531
+HK$2,981/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,100/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,872
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,672
−HK$1,829/mo
Today · 4.125%
HK$61,501
baseline
▲ 0.50% · 4.625%
HK$65,243
+HK$3,742/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,002/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,382
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,108
−HK$1,752/mo
Today · 4.125%
HK$67,860
baseline
▲ 0.50% · 4.625%
HK$71,437
+HK$3,577/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,720/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,517
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,617
−HK$2,134/mo
Today · 4.125%
HK$71,751
baseline
▲ 0.50% · 4.625%
HK$76,117
+HK$4,366/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,502/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,112
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,127
−HK$2,043/mo
Today · 4.125%
HK$79,170
baseline
▲ 0.50% · 4.625%
HK$83,343
+HK$4,173/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,340/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,808
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,508
−HK$2,743/mo
Today · 4.125%
HK$92,251
baseline
▲ 0.50% · 4.625%
HK$97,865
+HK$5,614/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,502/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,573
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,163
−HK$2,627/mo
Today · 4.125%
HK$101,790
baseline
▲ 0.50% · 4.625%
HK$107,156
+HK$5,366/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,580/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,959 · Scale 2, in force from 26 Feb 2026)