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$48,233
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,733
−HK$1,524/mo
Today · 4.125%
HK$51,257
baseline
▲ 0.50% · 4.625%
HK$54,376
+HK$3,119/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,514/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,659
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,098
−HK$1,460/mo
Today · 4.125%
HK$56,558
baseline
▲ 0.50% · 4.625%
HK$59,539
+HK$2,981/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,116/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,879
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,680
−HK$1,829/mo
Today · 4.125%
HK$61,509
baseline
▲ 0.50% · 4.625%
HK$65,252
+HK$3,743/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,018/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,390
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,117
−HK$1,752/mo
Today · 4.125%
HK$67,869
baseline
▲ 0.50% · 4.625%
HK$71,447
+HK$3,578/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,738/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,526
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,626
−HK$2,134/mo
Today · 4.125%
HK$71,760
baseline
▲ 0.50% · 4.625%
HK$76,127
+HK$4,367/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,520/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,122
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,137
−HK$2,044/mo
Today · 4.125%
HK$79,181
baseline
▲ 0.50% · 4.625%
HK$83,354
+HK$4,173/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,362/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,819
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,520
−HK$2,743/mo
Today · 4.125%
HK$92,263
baseline
▲ 0.50% · 4.625%
HK$97,877
+HK$5,614/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,526/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,585
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,176
−HK$2,628/mo
Today · 4.125%
HK$101,804
baseline
▲ 0.50% · 4.625%
HK$107,170
+HK$5,366/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,608/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,237 · Scale 2, in force from 26 Feb 2026)