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$48,011
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,504
−HK$1,517/mo
Today · 4.125%
HK$51,021
baseline
▲ 0.50% · 4.625%
HK$54,126
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,042/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,412
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,844
−HK$1,453/mo
Today · 4.125%
HK$56,297
baseline
▲ 0.50% · 4.625%
HK$59,265
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,594/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,613
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,405
−HK$1,821/mo
Today · 4.125%
HK$61,226
baseline
▲ 0.50% · 4.625%
HK$64,951
+HK$3,725/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,452/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,094
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,813
−HK$1,744/mo
Today · 4.125%
HK$67,557
baseline
▲ 0.50% · 4.625%
HK$71,118
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,114/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,215
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,306
−HK$2,124/mo
Today · 4.125%
HK$71,430
baseline
▲ 0.50% · 4.625%
HK$75,776
+HK$4,346/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,860/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,776
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,782
−HK$2,034/mo
Today · 4.125%
HK$78,816
baseline
▲ 0.50% · 4.625%
HK$82,971
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,632/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,419
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,108
−HK$2,731/mo
Today · 4.125%
HK$91,839
baseline
▲ 0.50% · 4.625%
HK$97,427
+HK$5,588/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,678/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,141
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,719
−HK$2,616/mo
Today · 4.125%
HK$101,335
baseline
▲ 0.50% · 4.625%
HK$106,676
+HK$5,341/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,670/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,500 · Scale 2, in force from 26 Feb 2026)