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$54,366
+HK$3,118/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$864,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,648
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,087
−HK$1,460/mo
Today · 4.125%
HK$56,547
baseline
▲ 0.50% · 4.625%
HK$59,527
+HK$2,980/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$864,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,868
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,668
−HK$1,829/mo
Today · 4.125%
HK$61,497
baseline
▲ 0.50% · 4.625%
HK$65,239
+HK$3,742/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$122,994/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,378
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,104
−HK$1,752/mo
Today · 4.125%
HK$67,856
baseline
▲ 0.50% · 4.625%
HK$71,433
+HK$3,577/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,712/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,513
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,613
−HK$2,134/mo
Today · 4.125%
HK$71,747
baseline
▲ 0.50% · 4.625%
HK$76,112
+HK$4,365/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,494/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,108
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,122
−HK$2,043/mo
Today · 4.125%
HK$79,165
baseline
▲ 0.50% · 4.625%
HK$83,338
+HK$4,173/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,330/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,802
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,503
−HK$2,743/mo
Today · 4.125%
HK$92,246
baseline
▲ 0.50% · 4.625%
HK$97,859
+HK$5,613/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,492/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,567
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,157
−HK$2,627/mo
Today · 4.125%
HK$101,784
baseline
▲ 0.50% · 4.625%
HK$107,149
+HK$5,365/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,568/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,832 · Scale 2, in force from 26 Feb 2026)