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$48,022
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,516
−HK$1,518/mo
Today · 4.125%
HK$51,034
baseline
▲ 0.50% · 4.625%
HK$54,139
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,068/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,424
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,857
−HK$1,454/mo
Today · 4.125%
HK$56,311
baseline
▲ 0.50% · 4.625%
HK$59,279
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,622/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,627
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,419
−HK$1,822/mo
Today · 4.125%
HK$61,241
baseline
▲ 0.50% · 4.625%
HK$64,967
+HK$3,726/mo
Deposit HK$8.42M · loan HK$12.64M · min. income ≈ HK$122,482/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,109
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,829
−HK$1,744/mo
Today · 4.125%
HK$67,573
baseline
▲ 0.50% · 4.625%
HK$71,135
+HK$3,562/mo
Deposit HK$8.42M · loan HK$12.64M · min. income ≈ HK$135,146/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,231
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,323
−HK$2,124/mo
Today · 4.125%
HK$71,447
baseline
▲ 0.50% · 4.625%
HK$75,795
+HK$4,348/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,894/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$856,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,794
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,800
−HK$2,035/mo
Today · 4.125%
HK$78,835
baseline
▲ 0.50% · 4.625%
HK$82,991
+HK$4,156/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,670/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$856,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,440
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,129
−HK$2,732/mo
Today · 4.125%
HK$91,861
baseline
▲ 0.50% · 4.625%
HK$97,450
+HK$5,589/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,722/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,164
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,743
−HK$2,616/mo
Today · 4.125%
HK$101,359
baseline
▲ 0.50% · 4.625%
HK$106,702
+HK$5,343/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,718/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,008 · Scale 2, in force from 26 Feb 2026)