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$48,026
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,520
−HK$1,517/mo
Today · 4.125%
HK$51,037
baseline
▲ 0.50% · 4.625%
HK$54,143
+HK$3,106/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,074/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,428
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,861
−HK$1,454/mo
Today · 4.125%
HK$56,315
baseline
▲ 0.50% · 4.625%
HK$59,283
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,630/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,631
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,423
−HK$1,822/mo
Today · 4.125%
HK$61,245
baseline
▲ 0.50% · 4.625%
HK$64,971
+HK$3,726/mo
Deposit HK$8.42M · loan HK$12.64M · min. income ≈ HK$122,490/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,114
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,833
−HK$1,745/mo
Today · 4.125%
HK$67,578
baseline
▲ 0.50% · 4.625%
HK$71,140
+HK$3,562/mo
Deposit HK$8.42M · loan HK$12.64M · min. income ≈ HK$135,156/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,236
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,327
−HK$2,125/mo
Today · 4.125%
HK$71,452
baseline
▲ 0.50% · 4.625%
HK$75,800
+HK$4,348/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,904/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$856,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,799
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,805
−HK$2,035/mo
Today · 4.125%
HK$78,840
baseline
▲ 0.50% · 4.625%
HK$82,996
+HK$4,156/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,680/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$856,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,446
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,135
−HK$2,732/mo
Today · 4.125%
HK$91,867
baseline
▲ 0.50% · 4.625%
HK$97,457
+HK$5,590/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$183,734/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,170
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,750
−HK$2,616/mo
Today · 4.125%
HK$101,366
baseline
▲ 0.50% · 4.625%
HK$106,709
+HK$5,343/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$202,732/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,151 · Scale 2, in force from 26 Feb 2026)