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$48,009
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,502
−HK$1,517/mo
Today · 4.125%
HK$51,019
baseline
▲ 0.50% · 4.625%
HK$54,124
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,038/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,409
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,842
−HK$1,453/mo
Today · 4.125%
HK$56,295
baseline
▲ 0.50% · 4.625%
HK$59,262
+HK$2,967/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,590/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,611
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,403
−HK$1,820/mo
Today · 4.125%
HK$61,223
baseline
▲ 0.50% · 4.625%
HK$64,949
+HK$3,726/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,446/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,091
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,810
−HK$1,744/mo
Today · 4.125%
HK$67,554
baseline
▲ 0.50% · 4.625%
HK$71,115
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,108/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,212
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,303
−HK$2,124/mo
Today · 4.125%
HK$71,427
baseline
▲ 0.50% · 4.625%
HK$75,773
+HK$4,346/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,854/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,773
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,778
−HK$2,035/mo
Today · 4.125%
HK$78,813
baseline
▲ 0.50% · 4.625%
HK$82,967
+HK$4,154/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,626/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,416
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,104
−HK$2,731/mo
Today · 4.125%
HK$91,835
baseline
▲ 0.50% · 4.625%
HK$97,423
+HK$5,588/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,670/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,137
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,715
−HK$2,616/mo
Today · 4.125%
HK$101,331
baseline
▲ 0.50% · 4.625%
HK$106,672
+HK$5,341/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,662/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,415 · Scale 2, in force from 26 Feb 2026)