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$48,024
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,518
−HK$1,518/mo
Today · 4.125%
HK$51,036
baseline
▲ 0.50% · 4.625%
HK$54,141
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,072/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,427
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,859
−HK$1,454/mo
Today · 4.125%
HK$56,313
baseline
▲ 0.50% · 4.625%
HK$59,281
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,626/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,629
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,422
−HK$1,821/mo
Today · 4.125%
HK$61,243
baseline
▲ 0.50% · 4.625%
HK$64,970
+HK$3,727/mo
Deposit HK$8.42M · loan HK$12.64M · min. income ≈ HK$122,486/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,112
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,831
−HK$1,745/mo
Today · 4.125%
HK$67,576
baseline
▲ 0.50% · 4.625%
HK$71,138
+HK$3,562/mo
Deposit HK$8.42M · loan HK$12.64M · min. income ≈ HK$135,152/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,234
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,325
−HK$2,125/mo
Today · 4.125%
HK$71,450
baseline
▲ 0.50% · 4.625%
HK$75,798
+HK$4,348/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,900/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$856,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,797
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,803
−HK$2,035/mo
Today · 4.125%
HK$78,838
baseline
▲ 0.50% · 4.625%
HK$82,994
+HK$4,156/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,676/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$856,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,444
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,133
−HK$2,732/mo
Today · 4.125%
HK$91,865
baseline
▲ 0.50% · 4.625%
HK$97,454
+HK$5,589/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,730/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,168
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,747
−HK$2,617/mo
Today · 4.125%
HK$101,364
baseline
▲ 0.50% · 4.625%
HK$106,707
+HK$5,343/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,728/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,094 · Scale 2, in force from 26 Feb 2026)