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$48,244
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,745
−HK$1,524/mo
Today · 4.125%
HK$51,269
baseline
▲ 0.50% · 4.625%
HK$54,389
+HK$3,120/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,538/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,671
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,110
−HK$1,461/mo
Today · 4.125%
HK$56,571
baseline
▲ 0.50% · 4.625%
HK$59,553
+HK$2,982/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,142/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,893
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,694
−HK$1,829/mo
Today · 4.125%
HK$61,523
baseline
▲ 0.50% · 4.625%
HK$65,267
+HK$3,744/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,046/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,405
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,132
−HK$1,753/mo
Today · 4.125%
HK$67,885
baseline
▲ 0.50% · 4.625%
HK$71,463
+HK$3,578/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,770/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,542
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,643
−HK$2,134/mo
Today · 4.125%
HK$71,777
baseline
▲ 0.50% · 4.625%
HK$76,145
+HK$4,368/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,554/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,139
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,155
−HK$2,044/mo
Today · 4.125%
HK$79,199
baseline
▲ 0.50% · 4.625%
HK$83,374
+HK$4,175/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,398/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,839
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,540
−HK$2,745/mo
Today · 4.125%
HK$92,285
baseline
▲ 0.50% · 4.625%
HK$97,900
+HK$5,615/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,570/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,608
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,199
−HK$2,628/mo
Today · 4.125%
HK$101,827
baseline
▲ 0.50% · 4.625%
HK$107,195
+HK$5,368/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,654/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,727 · Scale 2, in force from 26 Feb 2026)