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$48,004
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,497
−HK$1,517/mo
Today · 4.125%
HK$51,014
baseline
▲ 0.50% · 4.625%
HK$54,119
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,028/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,404
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,836
−HK$1,453/mo
Today · 4.125%
HK$56,289
baseline
▲ 0.50% · 4.625%
HK$59,257
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,578/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,605
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,397
−HK$1,820/mo
Today · 4.125%
HK$61,217
baseline
▲ 0.50% · 4.625%
HK$64,942
+HK$3,725/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,434/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,085
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,804
−HK$1,743/mo
Today · 4.125%
HK$67,547
baseline
▲ 0.50% · 4.625%
HK$71,108
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,094/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,206
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,296
−HK$2,124/mo
Today · 4.125%
HK$71,420
baseline
▲ 0.50% · 4.625%
HK$75,766
+HK$4,346/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,840/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,766
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,771
−HK$2,034/mo
Today · 4.125%
HK$78,805
baseline
▲ 0.50% · 4.625%
HK$82,959
+HK$4,154/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,610/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,408
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,095
−HK$2,731/mo
Today · 4.125%
HK$91,826
baseline
▲ 0.50% · 4.625%
HK$97,413
+HK$5,587/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,652/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,128
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,706
−HK$2,615/mo
Today · 4.125%
HK$101,321
baseline
▲ 0.50% · 4.625%
HK$106,662
+HK$5,341/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,642/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,211 · Scale 2, in force from 26 Feb 2026)