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$48,058
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,553
−HK$1,519/mo
Today · 4.125%
HK$51,072
baseline
▲ 0.50% · 4.625%
HK$54,179
+HK$3,107/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,144/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$857,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,464
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,898
−HK$1,454/mo
Today · 4.125%
HK$56,352
baseline
▲ 0.50% · 4.625%
HK$59,323
+HK$2,971/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,704/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$857,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,670
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,463
−HK$1,823/mo
Today · 4.125%
HK$61,286
baseline
▲ 0.50% · 4.625%
HK$65,015
+HK$3,729/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,572/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,157
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,877
−HK$1,746/mo
Today · 4.125%
HK$67,623
baseline
▲ 0.50% · 4.625%
HK$71,187
+HK$3,564/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,246/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,281
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,374
−HK$2,126/mo
Today · 4.125%
HK$71,500
baseline
▲ 0.50% · 4.625%
HK$75,851
+HK$4,351/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$143,000/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,850
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,857
−HK$2,036/mo
Today · 4.125%
HK$78,893
baseline
▲ 0.50% · 4.625%
HK$83,052
+HK$4,159/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,786/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,504
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,195
−HK$2,734/mo
Today · 4.125%
HK$91,929
baseline
▲ 0.50% · 4.625%
HK$97,522
+HK$5,593/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$183,858/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$857,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,235
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,816
−HK$2,618/mo
Today · 4.125%
HK$101,434
baseline
▲ 0.50% · 4.625%
HK$106,781
+HK$5,347/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$202,868/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$857,567 · Scale 2, in force from 26 Feb 2026)