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$48,055
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,550
−HK$1,519/mo
Today · 4.125%
HK$51,069
baseline
▲ 0.50% · 4.625%
HK$54,176
+HK$3,107/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,138/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$857,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,461
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,895
−HK$1,455/mo
Today · 4.125%
HK$56,350
baseline
▲ 0.50% · 4.625%
HK$59,320
+HK$2,970/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,700/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$857,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,667
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,460
−HK$1,823/mo
Today · 4.125%
HK$61,283
baseline
▲ 0.50% · 4.625%
HK$65,012
+HK$3,729/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$122,566/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,153
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,874
−HK$1,745/mo
Today · 4.125%
HK$67,619
baseline
▲ 0.50% · 4.625%
HK$71,184
+HK$3,565/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$135,238/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,278
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,370
−HK$2,126/mo
Today · 4.125%
HK$71,496
baseline
▲ 0.50% · 4.625%
HK$75,847
+HK$4,351/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$142,992/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,846
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,853
−HK$2,036/mo
Today · 4.125%
HK$78,889
baseline
▲ 0.50% · 4.625%
HK$83,048
+HK$4,159/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,778/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,500
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,190
−HK$2,734/mo
Today · 4.125%
HK$91,924
baseline
▲ 0.50% · 4.625%
HK$97,517
+HK$5,593/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$183,848/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$857,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,230
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,811
−HK$2,618/mo
Today · 4.125%
HK$101,429
baseline
▲ 0.50% · 4.625%
HK$106,776
+HK$5,347/mo
Deposit HK$2.11M · loan HK$18.97M · min. income ≈ HK$202,858/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$857,457 · Scale 2, in force from 26 Feb 2026)