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$48,245
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,746
−HK$1,525/mo
Today · 4.125%
HK$51,271
baseline
▲ 0.50% · 4.625%
HK$54,390
+HK$3,119/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,542/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,672
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,112
−HK$1,460/mo
Today · 4.125%
HK$56,572
baseline
▲ 0.50% · 4.625%
HK$59,554
+HK$2,982/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,144/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,894
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,695
−HK$1,830/mo
Today · 4.125%
HK$61,525
baseline
▲ 0.50% · 4.625%
HK$65,269
+HK$3,744/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,050/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,407
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,134
−HK$1,753/mo
Today · 4.125%
HK$67,887
baseline
▲ 0.50% · 4.625%
HK$71,465
+HK$3,578/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,774/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,544
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,645
−HK$2,134/mo
Today · 4.125%
HK$71,779
baseline
▲ 0.50% · 4.625%
HK$76,147
+HK$4,368/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,558/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,141
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,157
−HK$2,044/mo
Today · 4.125%
HK$79,201
baseline
▲ 0.50% · 4.625%
HK$83,376
+HK$4,175/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,402/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,842
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,543
−HK$2,744/mo
Today · 4.125%
HK$92,287
baseline
▲ 0.50% · 4.625%
HK$97,903
+HK$5,616/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,574/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,610
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,202
−HK$2,628/mo
Today · 4.125%
HK$101,830
baseline
▲ 0.50% · 4.625%
HK$107,198
+HK$5,368/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,660/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,788 · Scale 2, in force from 26 Feb 2026)