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$48,200
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,699
−HK$1,523/mo
Today · 4.125%
HK$51,222
baseline
▲ 0.50% · 4.625%
HK$54,339
+HK$3,117/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,444/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,622
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,060
−HK$1,459/mo
Today · 4.125%
HK$56,519
baseline
▲ 0.50% · 4.625%
HK$59,498
+HK$2,979/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,038/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,839
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,639
−HK$1,827/mo
Today · 4.125%
HK$61,466
baseline
▲ 0.50% · 4.625%
HK$65,207
+HK$3,741/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$122,932/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,346
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,072
−HK$1,750/mo
Today · 4.125%
HK$67,822
baseline
▲ 0.50% · 4.625%
HK$71,397
+HK$3,575/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$135,644/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,479
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,578
−HK$2,133/mo
Today · 4.125%
HK$71,711
baseline
▲ 0.50% · 4.625%
HK$76,074
+HK$4,363/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,422/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$863,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,070
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,083
−HK$2,043/mo
Today · 4.125%
HK$79,126
baseline
▲ 0.50% · 4.625%
HK$83,297
+HK$4,171/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,252/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$863,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,759
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,458
−HK$2,742/mo
Today · 4.125%
HK$92,200
baseline
▲ 0.50% · 4.625%
HK$97,810
+HK$5,610/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,400/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,519
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,107
−HK$2,626/mo
Today · 4.125%
HK$101,733
baseline
▲ 0.50% · 4.625%
HK$107,096
+HK$5,363/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,466/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,778 · Scale 2, in force from 26 Feb 2026)