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$3,011/mo
▼ 0.25% · 3.875%
HK$49,507
−HK$1,517/mo
Today · 4.125%
HK$51,024
baseline
▲ 0.50% · 4.625%
HK$54,129
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,048/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,414
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,847
−HK$1,453/mo
Today · 4.125%
HK$56,300
baseline
▲ 0.50% · 4.625%
HK$59,268
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,600/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,616
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,408
−HK$1,821/mo
Today · 4.125%
HK$61,229
baseline
▲ 0.50% · 4.625%
HK$64,955
+HK$3,726/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,458/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,097
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,816
−HK$1,744/mo
Today · 4.125%
HK$67,560
baseline
▲ 0.50% · 4.625%
HK$71,121
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,120/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,219
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,310
−HK$2,124/mo
Today · 4.125%
HK$71,434
baseline
▲ 0.50% · 4.625%
HK$75,781
+HK$4,347/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,868/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,780
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,786
−HK$2,034/mo
Today · 4.125%
HK$78,820
baseline
▲ 0.50% · 4.625%
HK$82,975
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,640/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,424
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,112
−HK$2,732/mo
Today · 4.125%
HK$91,844
baseline
▲ 0.50% · 4.625%
HK$97,432
+HK$5,588/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,688/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,146
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,724
−HK$2,616/mo
Today · 4.125%
HK$101,340
baseline
▲ 0.50% · 4.625%
HK$106,682
+HK$5,342/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,680/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,613 · Scale 2, in force from 26 Feb 2026)