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$48,252
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,753
−HK$1,525/mo
Today · 4.125%
HK$51,278
baseline
▲ 0.50% · 4.625%
HK$54,398
+HK$3,120/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,556/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,680
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,120
−HK$1,460/mo
Today · 4.125%
HK$56,580
baseline
▲ 0.50% · 4.625%
HK$59,563
+HK$2,983/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,160/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,903
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,704
−HK$1,830/mo
Today · 4.125%
HK$61,534
baseline
▲ 0.50% · 4.625%
HK$65,278
+HK$3,744/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$123,068/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,416
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,144
−HK$1,752/mo
Today · 4.125%
HK$67,896
baseline
▲ 0.50% · 4.625%
HK$71,475
+HK$3,579/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$135,792/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,553
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,655
−HK$2,134/mo
Today · 4.125%
HK$71,789
baseline
▲ 0.50% · 4.625%
HK$76,158
+HK$4,369/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,578/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$866,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,152
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,168
−HK$2,045/mo
Today · 4.125%
HK$79,213
baseline
▲ 0.50% · 4.625%
HK$83,388
+HK$4,175/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,426/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$866,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,854
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,556
−HK$2,745/mo
Today · 4.125%
HK$92,301
baseline
▲ 0.50% · 4.625%
HK$97,917
+HK$5,616/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$184,602/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,624
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,216
−HK$2,629/mo
Today · 4.125%
HK$101,845
baseline
▲ 0.50% · 4.625%
HK$107,213
+HK$5,368/mo
Deposit HK$2.12M · loan HK$19.04M · min. income ≈ HK$203,690/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,093 · Scale 2, in force from 26 Feb 2026)