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$48,241
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,742
−HK$1,525/mo
Today · 4.125%
HK$51,267
baseline
▲ 0.50% · 4.625%
HK$54,386
+HK$3,119/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,534/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,668
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,107
−HK$1,461/mo
Today · 4.125%
HK$56,568
baseline
▲ 0.50% · 4.625%
HK$59,549
+HK$2,981/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,136/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,890
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,690
−HK$1,830/mo
Today · 4.125%
HK$61,520
baseline
▲ 0.50% · 4.625%
HK$65,263
+HK$3,743/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,040/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,402
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,129
−HK$1,752/mo
Today · 4.125%
HK$67,881
baseline
▲ 0.50% · 4.625%
HK$71,459
+HK$3,578/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,762/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,538
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,639
−HK$2,134/mo
Today · 4.125%
HK$71,773
baseline
▲ 0.50% · 4.625%
HK$76,140
+HK$4,367/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,546/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,135
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,150
−HK$2,045/mo
Today · 4.125%
HK$79,195
baseline
▲ 0.50% · 4.625%
HK$83,369
+HK$4,174/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,390/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,835
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,536
−HK$2,744/mo
Today · 4.125%
HK$92,280
baseline
▲ 0.50% · 4.625%
HK$97,895
+HK$5,615/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,560/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,603
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,193
−HK$2,629/mo
Today · 4.125%
HK$101,822
baseline
▲ 0.50% · 4.625%
HK$107,189
+HK$5,367/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,644/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,614 · Scale 2, in force from 26 Feb 2026)