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$3,011/mo
▼ 0.25% · 3.875%
HK$49,515
−HK$1,518/mo
Today · 4.125%
HK$51,033
baseline
▲ 0.50% · 4.625%
HK$54,138
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,066/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$855,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,423
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,856
−HK$1,454/mo
Today · 4.125%
HK$56,310
baseline
▲ 0.50% · 4.625%
HK$59,278
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,620/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$855,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,626
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,418
−HK$1,821/mo
Today · 4.125%
HK$61,239
baseline
▲ 0.50% · 4.625%
HK$64,966
+HK$3,727/mo
Deposit HK$8.42M · loan HK$12.64M · min. income ≈ HK$122,478/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,108
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,828
−HK$1,744/mo
Today · 4.125%
HK$67,572
baseline
▲ 0.50% · 4.625%
HK$71,134
+HK$3,562/mo
Deposit HK$8.42M · loan HK$12.64M · min. income ≈ HK$135,144/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,230
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,321
−HK$2,125/mo
Today · 4.125%
HK$71,446
baseline
▲ 0.50% · 4.625%
HK$75,793
+HK$4,347/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,892/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,793
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,799
−HK$2,035/mo
Today · 4.125%
HK$78,834
baseline
▲ 0.50% · 4.625%
HK$82,989
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,668/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,439
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,128
−HK$2,731/mo
Today · 4.125%
HK$91,859
baseline
▲ 0.50% · 4.625%
HK$97,449
+HK$5,590/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,718/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,162
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,741
−HK$2,617/mo
Today · 4.125%
HK$101,358
baseline
▲ 0.50% · 4.625%
HK$106,700
+HK$5,342/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,716/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,971 · Scale 2, in force from 26 Feb 2026)