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$48,236
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,736
−HK$1,525/mo
Today · 4.125%
HK$51,261
baseline
▲ 0.50% · 4.625%
HK$54,380
+HK$3,119/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,522/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,662
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,101
−HK$1,460/mo
Today · 4.125%
HK$56,561
baseline
▲ 0.50% · 4.625%
HK$59,542
+HK$2,981/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,122/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,883
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,684
−HK$1,829/mo
Today · 4.125%
HK$61,513
baseline
▲ 0.50% · 4.625%
HK$65,256
+HK$3,743/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,026/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,394
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,121
−HK$1,752/mo
Today · 4.125%
HK$67,873
baseline
▲ 0.50% · 4.625%
HK$71,451
+HK$3,578/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,746/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,530
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,631
−HK$2,134/mo
Today · 4.125%
HK$71,765
baseline
▲ 0.50% · 4.625%
HK$76,132
+HK$4,367/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,530/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,127
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,142
−HK$2,044/mo
Today · 4.125%
HK$79,186
baseline
▲ 0.50% · 4.625%
HK$83,359
+HK$4,173/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,372/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,825
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,525
−HK$2,744/mo
Today · 4.125%
HK$92,269
baseline
▲ 0.50% · 4.625%
HK$97,884
+HK$5,615/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,538/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,591
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,182
−HK$2,628/mo
Today · 4.125%
HK$101,810
baseline
▲ 0.50% · 4.625%
HK$107,176
+HK$5,366/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,620/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,370 · Scale 2, in force from 26 Feb 2026)