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$48,003
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,496
−HK$1,517/mo
Today · 4.125%
HK$51,013
baseline
▲ 0.50% · 4.625%
HK$54,117
+HK$3,104/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,026/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,403
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,835
−HK$1,453/mo
Today · 4.125%
HK$56,288
baseline
▲ 0.50% · 4.625%
HK$59,255
+HK$2,967/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,576/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,603
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,395
−HK$1,821/mo
Today · 4.125%
HK$61,216
baseline
▲ 0.50% · 4.625%
HK$64,941
+HK$3,725/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,432/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,083
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,802
−HK$1,743/mo
Today · 4.125%
HK$67,545
baseline
▲ 0.50% · 4.625%
HK$71,106
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,090/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,204
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,294
−HK$2,124/mo
Today · 4.125%
HK$71,418
baseline
▲ 0.50% · 4.625%
HK$75,764
+HK$4,346/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,836/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,764
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,769
−HK$2,034/mo
Today · 4.125%
HK$78,803
baseline
▲ 0.50% · 4.625%
HK$82,957
+HK$4,154/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,606/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,405
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,093
−HK$2,731/mo
Today · 4.125%
HK$91,824
baseline
▲ 0.50% · 4.625%
HK$97,411
+HK$5,587/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,648/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,125
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,703
−HK$2,615/mo
Today · 4.125%
HK$101,318
baseline
▲ 0.50% · 4.625%
HK$106,659
+HK$5,341/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,636/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,153 · Scale 2, in force from 26 Feb 2026)