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$48,243
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,744
−HK$1,524/mo
Today · 4.125%
HK$51,268
baseline
▲ 0.50% · 4.625%
HK$54,388
+HK$3,120/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,536/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,670
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,109
−HK$1,460/mo
Today · 4.125%
HK$56,569
baseline
▲ 0.50% · 4.625%
HK$59,551
+HK$2,982/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,138/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,892
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,692
−HK$1,830/mo
Today · 4.125%
HK$61,522
baseline
▲ 0.50% · 4.625%
HK$65,265
+HK$3,743/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,044/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,404
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,131
−HK$1,752/mo
Today · 4.125%
HK$67,883
baseline
▲ 0.50% · 4.625%
HK$71,462
+HK$3,579/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,766/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,540
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,641
−HK$2,135/mo
Today · 4.125%
HK$71,776
baseline
▲ 0.50% · 4.625%
HK$76,143
+HK$4,367/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,552/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,138
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,153
−HK$2,044/mo
Today · 4.125%
HK$79,197
baseline
▲ 0.50% · 4.625%
HK$83,372
+HK$4,175/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,394/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,837
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,539
−HK$2,744/mo
Today · 4.125%
HK$92,283
baseline
▲ 0.50% · 4.625%
HK$97,898
+HK$5,615/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,566/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,606
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,197
−HK$2,628/mo
Today · 4.125%
HK$101,825
baseline
▲ 0.50% · 4.625%
HK$107,192
+HK$5,367/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,650/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,684 · Scale 2, in force from 26 Feb 2026)