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$48,224
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,724
−HK$1,524/mo
Today · 4.125%
HK$51,248
baseline
▲ 0.50% · 4.625%
HK$54,367
+HK$3,119/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,496/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,649
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,088
−HK$1,459/mo
Today · 4.125%
HK$56,547
baseline
▲ 0.50% · 4.625%
HK$59,528
+HK$2,981/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,094/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,869
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,669
−HK$1,829/mo
Today · 4.125%
HK$61,498
baseline
▲ 0.50% · 4.625%
HK$65,240
+HK$3,742/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$122,996/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,379
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,105
−HK$1,752/mo
Today · 4.125%
HK$67,857
baseline
▲ 0.50% · 4.625%
HK$71,434
+HK$3,577/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,714/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,514
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,614
−HK$2,134/mo
Today · 4.125%
HK$71,748
baseline
▲ 0.50% · 4.625%
HK$76,113
+HK$4,365/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,496/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,108
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,123
−HK$2,043/mo
Today · 4.125%
HK$79,166
baseline
▲ 0.50% · 4.625%
HK$83,339
+HK$4,173/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,332/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,803
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,504
−HK$2,743/mo
Today · 4.125%
HK$92,247
baseline
▲ 0.50% · 4.625%
HK$97,860
+HK$5,613/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,494/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,568
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,158
−HK$2,627/mo
Today · 4.125%
HK$101,785
baseline
▲ 0.50% · 4.625%
HK$107,151
+HK$5,366/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,570/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,857 · Scale 2, in force from 26 Feb 2026)