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$48,016
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,509
−HK$1,518/mo
Today · 4.125%
HK$51,027
baseline
▲ 0.50% · 4.625%
HK$54,131
+HK$3,104/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,054/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,417
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,849
−HK$1,454/mo
Today · 4.125%
HK$56,303
baseline
▲ 0.50% · 4.625%
HK$59,271
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,606/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,619
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,411
−HK$1,821/mo
Today · 4.125%
HK$61,232
baseline
▲ 0.50% · 4.625%
HK$64,958
+HK$3,726/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,464/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,100
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,819
−HK$1,744/mo
Today · 4.125%
HK$67,563
baseline
▲ 0.50% · 4.625%
HK$71,125
+HK$3,562/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,126/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,222
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,313
−HK$2,124/mo
Today · 4.125%
HK$71,437
baseline
▲ 0.50% · 4.625%
HK$75,784
+HK$4,347/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,874/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,784
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,789
−HK$2,035/mo
Today · 4.125%
HK$78,824
baseline
▲ 0.50% · 4.625%
HK$82,979
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,648/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,428
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,116
−HK$2,732/mo
Today · 4.125%
HK$91,848
baseline
▲ 0.50% · 4.625%
HK$97,437
+HK$5,589/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,696/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,150
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,729
−HK$2,616/mo
Today · 4.125%
HK$101,345
baseline
▲ 0.50% · 4.625%
HK$106,687
+HK$5,342/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,690/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,709 · Scale 2, in force from 26 Feb 2026)