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$48,209
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,708
−HK$1,524/mo
Today · 4.125%
HK$51,232
baseline
▲ 0.50% · 4.625%
HK$54,349
+HK$3,117/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,464/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,632
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,070
−HK$1,459/mo
Today · 4.125%
HK$56,529
baseline
▲ 0.50% · 4.625%
HK$59,509
+HK$2,980/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,058/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,850
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,650
−HK$1,828/mo
Today · 4.125%
HK$61,478
baseline
▲ 0.50% · 4.625%
HK$65,219
+HK$3,741/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$122,956/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,358
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,084
−HK$1,751/mo
Today · 4.125%
HK$67,835
baseline
▲ 0.50% · 4.625%
HK$71,411
+HK$3,576/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,670/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,174 · 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$76,089
+HK$4,365/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$864,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,084
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,098
−HK$2,043/mo
Today · 4.125%
HK$79,141
baseline
▲ 0.50% · 4.625%
HK$83,312
+HK$4,171/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,282/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,775
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,475
−HK$2,742/mo
Today · 4.125%
HK$92,217
baseline
▲ 0.50% · 4.625%
HK$97,828
+HK$5,611/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,434/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,537
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,126
−HK$2,626/mo
Today · 4.125%
HK$101,752
baseline
▲ 0.50% · 4.625%
HK$107,116
+HK$5,364/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$864,174 · Scale 2, in force from 26 Feb 2026)