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$48,195
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,694
−HK$1,524/mo
Today · 4.125%
HK$51,218
baseline
▲ 0.50% · 4.625%
HK$54,334
+HK$3,116/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,436/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,617
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,055
−HK$1,459/mo
Today · 4.125%
HK$56,514
baseline
▲ 0.50% · 4.625%
HK$59,492
+HK$2,978/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,028/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$863,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,834
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,633
−HK$1,828/mo
Today · 4.125%
HK$61,461
baseline
▲ 0.50% · 4.625%
HK$65,201
+HK$3,740/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$122,922/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,340
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$66,066
−HK$1,750/mo
Today · 4.125%
HK$67,816
baseline
▲ 0.50% · 4.625%
HK$71,391
+HK$3,575/mo
Deposit HK$8.45M · loan HK$12.68M · min. income ≈ HK$135,632/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$863,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,473
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,572
−HK$2,133/mo
Today · 4.125%
HK$71,705
baseline
▲ 0.50% · 4.625%
HK$76,068
+HK$4,363/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,410/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,064
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$77,077
−HK$2,042/mo
Today · 4.125%
HK$79,119
baseline
▲ 0.50% · 4.625%
HK$83,289
+HK$4,170/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,238/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$863,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,752
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,450
−HK$2,742/mo
Today · 4.125%
HK$92,192
baseline
▲ 0.50% · 4.625%
HK$97,801
+HK$5,609/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$184,384/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,510
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,099
−HK$2,625/mo
Today · 4.125%
HK$101,724
baseline
▲ 0.50% · 4.625%
HK$107,086
+HK$5,362/mo
Deposit HK$2.11M · loan HK$19.02M · min. income ≈ HK$203,448/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$863,593 · Scale 2, in force from 26 Feb 2026)