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$48,247
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,748
−HK$1,524/mo
Today · 4.125%
HK$51,272
baseline
▲ 0.50% · 4.625%
HK$54,392
+HK$3,120/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,544/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$865,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,674
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,114
−HK$1,460/mo
Today · 4.125%
HK$56,574
baseline
▲ 0.50% · 4.625%
HK$59,556
+HK$2,982/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,148/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$865,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,896
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,697
−HK$1,830/mo
Today · 4.125%
HK$61,527
baseline
▲ 0.50% · 4.625%
HK$65,270
+HK$3,743/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$123,054/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,409
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,136
−HK$1,753/mo
Today · 4.125%
HK$67,889
baseline
▲ 0.50% · 4.625%
HK$71,467
+HK$3,578/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$135,778/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$865,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,545
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,647
−HK$2,134/mo
Today · 4.125%
HK$71,781
baseline
▲ 0.50% · 4.625%
HK$76,149
+HK$4,368/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,562/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,144
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,159
−HK$2,044/mo
Today · 4.125%
HK$79,203
baseline
▲ 0.50% · 4.625%
HK$83,378
+HK$4,175/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,406/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,844
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,546
−HK$2,744/mo
Today · 4.125%
HK$92,290
baseline
▲ 0.50% · 4.625%
HK$97,906
+HK$5,616/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,580/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,613
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,204
−HK$2,629/mo
Today · 4.125%
HK$101,833
baseline
▲ 0.50% · 4.625%
HK$107,201
+HK$5,368/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,666/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,848 · Scale 2, in force from 26 Feb 2026)