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$48,208
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,708
−HK$1,523/mo
Today · 4.125%
HK$51,231
baseline
▲ 0.50% · 4.625%
HK$54,349
+HK$3,118/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,462/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$864,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,631
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,070
−HK$1,459/mo
Today · 4.125%
HK$56,529
baseline
▲ 0.50% · 4.625%
HK$59,508
+HK$2,979/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,058/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$864,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,850
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,649
−HK$1,829/mo
Today · 4.125%
HK$61,478
baseline
▲ 0.50% · 4.625%
HK$65,218
+HK$3,740/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$122,956/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,357
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,083
−HK$1,751/mo
Today · 4.125%
HK$67,834
baseline
▲ 0.50% · 4.625%
HK$71,410
+HK$3,576/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$135,668/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,492
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,591
−HK$2,133/mo
Today · 4.125%
HK$71,724
baseline
▲ 0.50% · 4.625%
HK$76,088
+HK$4,364/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,448/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,084
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,097
−HK$2,043/mo
Today · 4.125%
HK$79,140
baseline
▲ 0.50% · 4.625%
HK$83,312
+HK$4,172/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,280/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,775
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,474
−HK$2,742/mo
Today · 4.125%
HK$92,216
baseline
▲ 0.50% · 4.625%
HK$97,828
+HK$5,612/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,432/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,536
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,125
−HK$2,627/mo
Today · 4.125%
HK$101,752
baseline
▲ 0.50% · 4.625%
HK$107,115
+HK$5,363/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,504/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,160 · Scale 2, in force from 26 Feb 2026)