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$48,018
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,512
−HK$1,518/mo
Today · 4.125%
HK$51,030
baseline
▲ 0.50% · 4.625%
HK$54,135
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,060/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$855,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,420
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,853
−HK$1,453/mo
Today · 4.125%
HK$56,306
baseline
▲ 0.50% · 4.625%
HK$59,274
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,612/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$855,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,622
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,415
−HK$1,821/mo
Today · 4.125%
HK$61,236
baseline
▲ 0.50% · 4.625%
HK$64,962
+HK$3,726/mo
Deposit HK$8.42M · loan HK$12.64M · min. income ≈ HK$122,472/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,104
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,823
−HK$1,744/mo
Today · 4.125%
HK$67,567
baseline
▲ 0.50% · 4.625%
HK$71,129
+HK$3,562/mo
Deposit HK$8.42M · loan HK$12.64M · min. income ≈ HK$135,134/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,226
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,317
−HK$2,124/mo
Today · 4.125%
HK$71,441
baseline
▲ 0.50% · 4.625%
HK$75,789
+HK$4,348/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,882/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,788
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,794
−HK$2,035/mo
Today · 4.125%
HK$78,829
baseline
▲ 0.50% · 4.625%
HK$82,984
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,658/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,433
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,122
−HK$2,731/mo
Today · 4.125%
HK$91,853
baseline
▲ 0.50% · 4.625%
HK$97,442
+HK$5,589/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,706/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,156
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,735
−HK$2,616/mo
Today · 4.125%
HK$101,351
baseline
▲ 0.50% · 4.625%
HK$106,693
+HK$5,342/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,702/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,836 · Scale 2, in force from 26 Feb 2026)