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$48,207
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,707
−HK$1,523/mo
Today · 4.125%
HK$51,230
baseline
▲ 0.50% · 4.625%
HK$54,347
+HK$3,117/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,460/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$864,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,630
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,068
−HK$1,459/mo
Today · 4.125%
HK$56,527
baseline
▲ 0.50% · 4.625%
HK$59,507
+HK$2,980/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,054/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$864,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,849
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,648
−HK$1,828/mo
Today · 4.125%
HK$61,476
baseline
▲ 0.50% · 4.625%
HK$65,217
+HK$3,741/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$122,952/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,356
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,082
−HK$1,751/mo
Today · 4.125%
HK$67,833
baseline
▲ 0.50% · 4.625%
HK$71,409
+HK$3,576/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$135,666/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,490
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,589
−HK$2,133/mo
Today · 4.125%
HK$71,722
baseline
▲ 0.50% · 4.625%
HK$76,086
+HK$4,364/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,444/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,082
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,096
−HK$2,042/mo
Today · 4.125%
HK$79,138
baseline
▲ 0.50% · 4.625%
HK$83,310
+HK$4,172/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,276/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,773
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,472
−HK$2,742/mo
Today · 4.125%
HK$92,214
baseline
▲ 0.50% · 4.625%
HK$97,825
+HK$5,611/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,428/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,534
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,123
−HK$2,626/mo
Today · 4.125%
HK$101,749
baseline
▲ 0.50% · 4.625%
HK$107,113
+HK$5,364/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,498/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,112 · Scale 2, in force from 26 Feb 2026)