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$48,044
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,539
−HK$1,518/mo
Today · 4.125%
HK$51,057
baseline
▲ 0.50% · 4.625%
HK$54,164
+HK$3,107/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,114/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,449
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,882
−HK$1,455/mo
Today · 4.125%
HK$56,337
baseline
▲ 0.50% · 4.625%
HK$59,306
+HK$2,969/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,674/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,653
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,447
−HK$1,822/mo
Today · 4.125%
HK$61,269
baseline
▲ 0.50% · 4.625%
HK$64,997
+HK$3,728/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$122,538/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,139
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,859
−HK$1,745/mo
Today · 4.125%
HK$67,604
baseline
▲ 0.50% · 4.625%
HK$71,167
+HK$3,563/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$135,208/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,262
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,354
−HK$2,126/mo
Today · 4.125%
HK$71,480
baseline
▲ 0.50% · 4.625%
HK$75,830
+HK$4,350/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$142,960/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,829
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,835
−HK$2,036/mo
Today · 4.125%
HK$78,871
baseline
▲ 0.50% · 4.625%
HK$83,029
+HK$4,158/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,742/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,480
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,170
−HK$2,733/mo
Today · 4.125%
HK$91,903
baseline
▲ 0.50% · 4.625%
HK$97,495
+HK$5,592/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$183,806/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,208
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,788
−HK$2,618/mo
Today · 4.125%
HK$101,406
baseline
▲ 0.50% · 4.625%
HK$106,751
+HK$5,345/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$202,812/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,976 · Scale 2, in force from 26 Feb 2026)