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$48,015
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,509
−HK$1,517/mo
Today · 4.125%
HK$51,026
baseline
▲ 0.50% · 4.625%
HK$54,131
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,052/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,416
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,849
−HK$1,453/mo
Today · 4.125%
HK$56,302
baseline
▲ 0.50% · 4.625%
HK$59,270
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,604/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,618
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,410
−HK$1,821/mo
Today · 4.125%
HK$61,231
baseline
▲ 0.50% · 4.625%
HK$64,957
+HK$3,726/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,462/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,100
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,819
−HK$1,744/mo
Today · 4.125%
HK$67,563
baseline
▲ 0.50% · 4.625%
HK$71,124
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,126/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,221
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,312
−HK$2,124/mo
Today · 4.125%
HK$71,436
baseline
▲ 0.50% · 4.625%
HK$75,783
+HK$4,347/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,872/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,783
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,788
−HK$2,035/mo
Today · 4.125%
HK$78,823
baseline
▲ 0.50% · 4.625%
HK$82,978
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,646/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,427
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,115
−HK$2,732/mo
Today · 4.125%
HK$91,847
baseline
▲ 0.50% · 4.625%
HK$97,436
+HK$5,589/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,694/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,149
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,728
−HK$2,616/mo
Today · 4.125%
HK$101,344
baseline
▲ 0.50% · 4.625%
HK$106,686
+HK$5,342/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,688/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,687 · Scale 2, in force from 26 Feb 2026)