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$48,230
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,730
−HK$1,524/mo
Today · 4.125%
HK$51,254
baseline
▲ 0.50% · 4.625%
HK$54,373
+HK$3,119/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,508/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,655
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,094
−HK$1,460/mo
Today · 4.125%
HK$56,554
baseline
▲ 0.50% · 4.625%
HK$59,535
+HK$2,981/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,108/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,876
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,676
−HK$1,829/mo
Today · 4.125%
HK$61,505
baseline
▲ 0.50% · 4.625%
HK$65,248
+HK$3,743/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,010/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,386
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,113
−HK$1,752/mo
Today · 4.125%
HK$67,865
baseline
▲ 0.50% · 4.625%
HK$71,442
+HK$3,577/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,730/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,522
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,622
−HK$2,134/mo
Today · 4.125%
HK$71,756
baseline
▲ 0.50% · 4.625%
HK$76,122
+HK$4,366/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,512/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,117
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,132
−HK$2,044/mo
Today · 4.125%
HK$79,176
baseline
▲ 0.50% · 4.625%
HK$83,349
+HK$4,173/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,352/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,814
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,514
−HK$2,744/mo
Today · 4.125%
HK$92,258
baseline
▲ 0.50% · 4.625%
HK$97,871
+HK$5,613/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,516/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,579
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,170
−HK$2,627/mo
Today · 4.125%
HK$101,797
baseline
▲ 0.50% · 4.625%
HK$107,163
+HK$5,366/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,594/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,105 · Scale 2, in force from 26 Feb 2026)