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$48,222
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,722
−HK$1,524/mo
Today · 4.125%
HK$51,246
baseline
▲ 0.50% · 4.625%
HK$54,364
+HK$3,118/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,492/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,646
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,085
−HK$1,459/mo
Today · 4.125%
HK$56,544
baseline
▲ 0.50% · 4.625%
HK$59,525
+HK$2,981/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,088/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,866
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,666
−HK$1,829/mo
Today · 4.125%
HK$61,495
baseline
▲ 0.50% · 4.625%
HK$65,236
+HK$3,741/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$122,990/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,375
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,102
−HK$1,751/mo
Today · 4.125%
HK$67,853
baseline
▲ 0.50% · 4.625%
HK$71,430
+HK$3,577/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,706/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,510
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,610
−HK$2,134/mo
Today · 4.125%
HK$71,744
baseline
▲ 0.50% · 4.625%
HK$76,109
+HK$4,365/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,488/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,105
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,119
−HK$2,043/mo
Today · 4.125%
HK$79,162
baseline
▲ 0.50% · 4.625%
HK$83,335
+HK$4,173/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,324/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,799
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,499
−HK$2,743/mo
Today · 4.125%
HK$92,242
baseline
▲ 0.50% · 4.625%
HK$97,855
+HK$5,613/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,484/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,563
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,153
−HK$2,627/mo
Today · 4.125%
HK$101,780
baseline
▲ 0.50% · 4.625%
HK$107,145
+HK$5,365/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,560/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,746 · Scale 2, in force from 26 Feb 2026)