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$48,015
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,508
−HK$1,517/mo
Today · 4.125%
HK$51,025
baseline
▲ 0.50% · 4.625%
HK$54,130
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,050/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,416
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,848
−HK$1,454/mo
Today · 4.125%
HK$56,302
baseline
▲ 0.50% · 4.625%
HK$59,269
+HK$2,967/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,604/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,617
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,410
−HK$1,821/mo
Today · 4.125%
HK$61,231
baseline
▲ 0.50% · 4.625%
HK$64,956
+HK$3,725/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,462/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,099
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,818
−HK$1,744/mo
Today · 4.125%
HK$67,562
baseline
▲ 0.50% · 4.625%
HK$71,123
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,124/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,220
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,311
−HK$2,125/mo
Today · 4.125%
HK$71,436
baseline
▲ 0.50% · 4.625%
HK$75,782
+HK$4,346/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,872/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,782
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,788
−HK$2,034/mo
Today · 4.125%
HK$78,822
baseline
▲ 0.50% · 4.625%
HK$82,977
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,644/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,426
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,114
−HK$2,732/mo
Today · 4.125%
HK$91,846
baseline
▲ 0.50% · 4.625%
HK$97,434
+HK$5,588/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,692/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,148
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,727
−HK$2,616/mo
Today · 4.125%
HK$101,343
baseline
▲ 0.50% · 4.625%
HK$106,685
+HK$5,342/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,686/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,663 · Scale 2, in force from 26 Feb 2026)