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$48,263
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,765
−HK$1,525/mo
Today · 4.125%
HK$51,290
baseline
▲ 0.50% · 4.625%
HK$54,411
+HK$3,121/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,580/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,692
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,132
−HK$1,461/mo
Today · 4.125%
HK$56,593
baseline
▲ 0.50% · 4.625%
HK$59,576
+HK$2,983/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,186/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,916
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$59,717
−HK$1,831/mo
Today · 4.125%
HK$61,548
baseline
▲ 0.50% · 4.625%
HK$65,293
+HK$3,745/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,096/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,431
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$66,159
−HK$1,753/mo
Today · 4.125%
HK$67,912
baseline
▲ 0.50% · 4.625%
HK$71,492
+HK$3,580/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,824/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,569
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,670
−HK$2,136/mo
Today · 4.125%
HK$71,806
baseline
▲ 0.50% · 4.625%
HK$76,175
+HK$4,369/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,612/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,169
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,185
−HK$2,046/mo
Today · 4.125%
HK$79,231
baseline
▲ 0.50% · 4.625%
HK$83,407
+HK$4,176/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,462/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,874
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,576
−HK$2,746/mo
Today · 4.125%
HK$92,322
baseline
▲ 0.50% · 4.625%
HK$97,939
+HK$5,617/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,644/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,646
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,238
−HK$2,630/mo
Today · 4.125%
HK$101,868
baseline
▲ 0.50% · 4.625%
HK$107,237
+HK$5,369/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,736/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,572 · Scale 2, in force from 26 Feb 2026)