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$48,012
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,505
−HK$1,518/mo
Today · 4.125%
HK$51,023
baseline
▲ 0.50% · 4.625%
HK$54,127
+HK$3,104/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,046/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,413
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,845
−HK$1,454/mo
Today · 4.125%
HK$56,299
baseline
▲ 0.50% · 4.625%
HK$59,266
+HK$2,967/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,598/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,614
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,407
−HK$1,820/mo
Today · 4.125%
HK$61,227
baseline
▲ 0.50% · 4.625%
HK$64,953
+HK$3,726/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,454/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,096
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,815
−HK$1,743/mo
Today · 4.125%
HK$67,558
baseline
▲ 0.50% · 4.625%
HK$71,119
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,116/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,217
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,308
−HK$2,124/mo
Today · 4.125%
HK$71,432
baseline
▲ 0.50% · 4.625%
HK$75,778
+HK$4,346/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,864/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,778
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,784
−HK$2,034/mo
Today · 4.125%
HK$78,818
baseline
▲ 0.50% · 4.625%
HK$82,973
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,636/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,422
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,110
−HK$2,731/mo
Today · 4.125%
HK$91,841
baseline
▲ 0.50% · 4.625%
HK$97,429
+HK$5,588/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,682/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,143
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,722
−HK$2,616/mo
Today · 4.125%
HK$101,338
baseline
▲ 0.50% · 4.625%
HK$106,679
+HK$5,341/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,676/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,555 · Scale 2, in force from 26 Feb 2026)