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$48,249
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,750
−HK$1,525/mo
Today · 4.125%
HK$51,275
baseline
▲ 0.50% · 4.625%
HK$54,395
+HK$3,120/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,550/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$865,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,677
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,116
−HK$1,461/mo
Today · 4.125%
HK$56,577
baseline
▲ 0.50% · 4.625%
HK$59,559
+HK$2,982/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,154/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$865,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,899
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,700
−HK$1,830/mo
Today · 4.125%
HK$61,530
baseline
▲ 0.50% · 4.625%
HK$65,274
+HK$3,744/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$123,060/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,412
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,140
−HK$1,752/mo
Today · 4.125%
HK$67,892
baseline
▲ 0.50% · 4.625%
HK$71,471
+HK$3,579/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$135,784/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,549
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,650
−HK$2,135/mo
Today · 4.125%
HK$71,785
baseline
▲ 0.50% · 4.625%
HK$76,153
+HK$4,368/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,570/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,148
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,163
−HK$2,045/mo
Today · 4.125%
HK$79,208
baseline
▲ 0.50% · 4.625%
HK$83,383
+HK$4,175/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,416/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,849
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,550
−HK$2,745/mo
Today · 4.125%
HK$92,295
baseline
▲ 0.50% · 4.625%
HK$97,911
+HK$5,616/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,590/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,618
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,210
−HK$2,628/mo
Today · 4.125%
HK$101,838
baseline
▲ 0.50% · 4.625%
HK$107,206
+HK$5,368/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,676/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,961 · Scale 2, in force from 26 Feb 2026)