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$48,033
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,527
−HK$1,518/mo
Today · 4.125%
HK$51,045
baseline
▲ 0.50% · 4.625%
HK$54,151
+HK$3,106/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,090/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,436
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,869
−HK$1,454/mo
Today · 4.125%
HK$56,323
baseline
▲ 0.50% · 4.625%
HK$59,292
+HK$2,969/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,646/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,639
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,432
−HK$1,822/mo
Today · 4.125%
HK$61,254
baseline
▲ 0.50% · 4.625%
HK$64,981
+HK$3,727/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$122,508/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,123
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,843
−HK$1,744/mo
Today · 4.125%
HK$67,587
baseline
▲ 0.50% · 4.625%
HK$71,150
+HK$3,563/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$135,174/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,246
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,337
−HK$2,126/mo
Today · 4.125%
HK$71,463
baseline
▲ 0.50% · 4.625%
HK$75,811
+HK$4,348/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$142,926/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,810
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,817
−HK$2,035/mo
Today · 4.125%
HK$78,852
baseline
▲ 0.50% · 4.625%
HK$83,008
+HK$4,156/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,704/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,459
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,148
−HK$2,733/mo
Today · 4.125%
HK$91,881
baseline
▲ 0.50% · 4.625%
HK$97,471
+HK$5,590/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$183,762/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,185
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,764
−HK$2,617/mo
Today · 4.125%
HK$101,381
baseline
▲ 0.50% · 4.625%
HK$106,725
+HK$5,344/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$202,762/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,459 · Scale 2, in force from 26 Feb 2026)