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$48,046
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,541
−HK$1,518/mo
Today · 4.125%
HK$51,059
baseline
▲ 0.50% · 4.625%
HK$54,166
+HK$3,107/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,118/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$857,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,451
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,884
−HK$1,455/mo
Today · 4.125%
HK$56,339
baseline
▲ 0.50% · 4.625%
HK$59,308
+HK$2,969/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,678/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$857,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,655
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,449
−HK$1,822/mo
Today · 4.125%
HK$61,271
baseline
▲ 0.50% · 4.625%
HK$64,999
+HK$3,728/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$122,542/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,141
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,861
−HK$1,745/mo
Today · 4.125%
HK$67,606
baseline
▲ 0.50% · 4.625%
HK$71,170
+HK$3,564/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$135,212/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$857,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,265
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,357
−HK$2,126/mo
Today · 4.125%
HK$71,483
baseline
▲ 0.50% · 4.625%
HK$75,832
+HK$4,349/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$142,966/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,831
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,838
−HK$2,036/mo
Today · 4.125%
HK$78,874
baseline
▲ 0.50% · 4.625%
HK$83,032
+HK$4,158/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,748/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$857,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,483
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,173
−HK$2,733/mo
Today · 4.125%
HK$91,906
baseline
▲ 0.50% · 4.625%
HK$97,499
+HK$5,593/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$183,812/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$857,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,212
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,792
−HK$2,618/mo
Today · 4.125%
HK$101,410
baseline
▲ 0.50% · 4.625%
HK$106,755
+HK$5,345/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$202,820/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$857,051 · Scale 2, in force from 26 Feb 2026)