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$48,013
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,506
−HK$1,517/mo
Today · 4.125%
HK$51,023
baseline
▲ 0.50% · 4.625%
HK$54,128
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,046/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,414
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,846
−HK$1,453/mo
Today · 4.125%
HK$56,299
baseline
▲ 0.50% · 4.625%
HK$59,267
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,598/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,615
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,407
−HK$1,821/mo
Today · 4.125%
HK$61,228
baseline
▲ 0.50% · 4.625%
HK$64,954
+HK$3,726/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,456/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,096
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,815
−HK$1,744/mo
Today · 4.125%
HK$67,559
baseline
▲ 0.50% · 4.625%
HK$71,120
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,118/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,218
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,308
−HK$2,125/mo
Today · 4.125%
HK$71,433
baseline
▲ 0.50% · 4.625%
HK$75,779
+HK$4,346/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,866/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,779
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,784
−HK$2,035/mo
Today · 4.125%
HK$78,819
baseline
▲ 0.50% · 4.625%
HK$82,974
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,638/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,423
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,111
−HK$2,731/mo
Today · 4.125%
HK$91,842
baseline
▲ 0.50% · 4.625%
HK$97,430
+HK$5,588/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,684/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,144
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,723
−HK$2,616/mo
Today · 4.125%
HK$101,339
baseline
▲ 0.50% · 4.625%
HK$106,680
+HK$5,341/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,678/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,579 · Scale 2, in force from 26 Feb 2026)