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$48,238
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,739
−HK$1,524/mo
Today · 4.125%
HK$51,263
baseline
▲ 0.50% · 4.625%
HK$54,383
+HK$3,120/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,526/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,665
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,104
−HK$1,460/mo
Today · 4.125%
HK$56,564
baseline
▲ 0.50% · 4.625%
HK$59,546
+HK$2,982/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,128/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,886
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,687
−HK$1,829/mo
Today · 4.125%
HK$61,516
baseline
▲ 0.50% · 4.625%
HK$65,259
+HK$3,743/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,032/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,398
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,125
−HK$1,752/mo
Today · 4.125%
HK$67,877
baseline
▲ 0.50% · 4.625%
HK$71,455
+HK$3,578/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,754/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,534
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,634
−HK$2,135/mo
Today · 4.125%
HK$71,769
baseline
▲ 0.50% · 4.625%
HK$76,136
+HK$4,367/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,538/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,131
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,146
−HK$2,044/mo
Today · 4.125%
HK$79,190
baseline
▲ 0.50% · 4.625%
HK$83,364
+HK$4,174/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,380/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,829
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,530
−HK$2,744/mo
Today · 4.125%
HK$92,274
baseline
▲ 0.50% · 4.625%
HK$97,889
+HK$5,615/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,548/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,597
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,187
−HK$2,628/mo
Today · 4.125%
HK$101,815
baseline
▲ 0.50% · 4.625%
HK$107,182
+HK$5,367/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,630/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,483 · Scale 2, in force from 26 Feb 2026)