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$48,215
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,715
−HK$1,524/mo
Today · 4.125%
HK$51,239
baseline
▲ 0.50% · 4.625%
HK$54,356
+HK$3,117/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,478/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,639
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,077
−HK$1,460/mo
Today · 4.125%
HK$56,537
baseline
▲ 0.50% · 4.625%
HK$59,517
+HK$2,980/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,074/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,858
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,658
−HK$1,828/mo
Today · 4.125%
HK$61,486
baseline
▲ 0.50% · 4.625%
HK$65,228
+HK$3,742/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$122,972/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,367
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,093
−HK$1,751/mo
Today · 4.125%
HK$67,844
baseline
▲ 0.50% · 4.625%
HK$71,420
+HK$3,576/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,688/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,501
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,601
−HK$2,133/mo
Today · 4.125%
HK$71,734
baseline
▲ 0.50% · 4.625%
HK$76,099
+HK$4,365/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,468/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,094
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,108
−HK$2,043/mo
Today · 4.125%
HK$79,151
baseline
▲ 0.50% · 4.625%
HK$83,324
+HK$4,173/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,302/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,787
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,487
−HK$2,742/mo
Today · 4.125%
HK$92,229
baseline
▲ 0.50% · 4.625%
HK$97,841
+HK$5,612/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,458/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,550
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,139
−HK$2,627/mo
Today · 4.125%
HK$101,766
baseline
▲ 0.50% · 4.625%
HK$107,130
+HK$5,364/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,532/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,458 · Scale 2, in force from 26 Feb 2026)