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$48,219
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,719
−HK$1,524/mo
Today · 4.125%
HK$51,243
baseline
▲ 0.50% · 4.625%
HK$54,361
+HK$3,118/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,486/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,643
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,082
−HK$1,459/mo
Today · 4.125%
HK$56,541
baseline
▲ 0.50% · 4.625%
HK$59,521
+HK$2,980/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,082/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,863
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,662
−HK$1,829/mo
Today · 4.125%
HK$61,491
baseline
▲ 0.50% · 4.625%
HK$65,233
+HK$3,742/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$122,982/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,372
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,098
−HK$1,751/mo
Today · 4.125%
HK$67,849
baseline
▲ 0.50% · 4.625%
HK$71,426
+HK$3,577/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,698/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,506
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,606
−HK$2,134/mo
Today · 4.125%
HK$71,740
baseline
▲ 0.50% · 4.625%
HK$76,105
+HK$4,365/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,480/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,100
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,114
−HK$2,044/mo
Today · 4.125%
HK$79,158
baseline
▲ 0.50% · 4.625%
HK$83,330
+HK$4,172/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,316/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,794
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,494
−HK$2,743/mo
Today · 4.125%
HK$92,237
baseline
▲ 0.50% · 4.625%
HK$97,849
+HK$5,612/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,474/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,557
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,147
−HK$2,627/mo
Today · 4.125%
HK$101,774
baseline
▲ 0.50% · 4.625%
HK$107,139
+HK$5,365/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,548/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,623 · Scale 2, in force from 26 Feb 2026)