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$48,048
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,542
−HK$1,519/mo
Today · 4.125%
HK$51,061
baseline
▲ 0.50% · 4.625%
HK$54,168
+HK$3,107/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,122/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$857,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,452
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,886
−HK$1,454/mo
Today · 4.125%
HK$56,340
baseline
▲ 0.50% · 4.625%
HK$59,310
+HK$2,970/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,680/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$857,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,657
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,451
−HK$1,822/mo
Today · 4.125%
HK$61,273
baseline
▲ 0.50% · 4.625%
HK$65,001
+HK$3,728/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$122,546/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,143
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,863
−HK$1,745/mo
Today · 4.125%
HK$67,608
baseline
▲ 0.50% · 4.625%
HK$71,172
+HK$3,564/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$135,216/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,267
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,359
−HK$2,126/mo
Today · 4.125%
HK$71,485
baseline
▲ 0.50% · 4.625%
HK$75,835
+HK$4,350/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$142,970/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,833
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,840
−HK$2,037/mo
Today · 4.125%
HK$78,877
baseline
▲ 0.50% · 4.625%
HK$83,034
+HK$4,157/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,754/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,486
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,176
−HK$2,733/mo
Today · 4.125%
HK$91,909
baseline
▲ 0.50% · 4.625%
HK$97,502
+HK$5,593/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$183,818/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$857,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,214
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,795
−HK$2,618/mo
Today · 4.125%
HK$101,413
baseline
▲ 0.50% · 4.625%
HK$106,758
+HK$5,345/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$202,826/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$857,115 · Scale 2, in force from 26 Feb 2026)