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$48,206
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,706
−HK$1,523/mo
Today · 4.125%
HK$51,229
baseline
▲ 0.50% · 4.625%
HK$54,346
+HK$3,117/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,458/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$864,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,629
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,067
−HK$1,459/mo
Today · 4.125%
HK$56,526
baseline
▲ 0.50% · 4.625%
HK$59,506
+HK$2,980/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,052/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$864,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,847
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,647
−HK$1,828/mo
Today · 4.125%
HK$61,475
baseline
▲ 0.50% · 4.625%
HK$65,215
+HK$3,740/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$122,950/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,354
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,080
−HK$1,751/mo
Today · 4.125%
HK$67,831
baseline
▲ 0.50% · 4.625%
HK$71,407
+HK$3,576/mo
Deposit HK$8.46M · loan HK$12.68M · min. income ≈ HK$135,662/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,488
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,588
−HK$2,133/mo
Today · 4.125%
HK$71,721
baseline
▲ 0.50% · 4.625%
HK$76,085
+HK$4,364/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,442/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,080
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,094
−HK$2,043/mo
Today · 4.125%
HK$79,137
baseline
▲ 0.50% · 4.625%
HK$83,308
+HK$4,171/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,274/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,771
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,470
−HK$2,742/mo
Today · 4.125%
HK$92,212
baseline
▲ 0.50% · 4.625%
HK$97,823
+HK$5,611/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,424/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,532
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,121
−HK$2,626/mo
Today · 4.125%
HK$101,747
baseline
▲ 0.50% · 4.625%
HK$107,110
+HK$5,363/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,494/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,063 · Scale 2, in force from 26 Feb 2026)