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$48,234
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,734
−HK$1,525/mo
Today · 4.125%
HK$51,259
baseline
▲ 0.50% · 4.625%
HK$54,378
+HK$3,119/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,518/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,660
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,099
−HK$1,460/mo
Today · 4.125%
HK$56,559
baseline
▲ 0.50% · 4.625%
HK$59,540
+HK$2,981/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,118/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,881
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,681
−HK$1,829/mo
Today · 4.125%
HK$61,510
baseline
▲ 0.50% · 4.625%
HK$65,253
+HK$3,743/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,020/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,392
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,119
−HK$1,752/mo
Today · 4.125%
HK$67,871
baseline
▲ 0.50% · 4.625%
HK$71,448
+HK$3,577/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,742/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,528
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,628
−HK$2,134/mo
Today · 4.125%
HK$71,762
baseline
▲ 0.50% · 4.625%
HK$76,129
+HK$4,367/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,524/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,124
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,139
−HK$2,044/mo
Today · 4.125%
HK$79,183
baseline
▲ 0.50% · 4.625%
HK$83,356
+HK$4,173/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,366/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,821
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,522
−HK$2,744/mo
Today · 4.125%
HK$92,266
baseline
▲ 0.50% · 4.625%
HK$97,880
+HK$5,614/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,532/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,588
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,178
−HK$2,628/mo
Today · 4.125%
HK$101,806
baseline
▲ 0.50% · 4.625%
HK$107,172
+HK$5,366/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,612/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,290 · Scale 2, in force from 26 Feb 2026)