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$48,037
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,531
−HK$1,518/mo
Today · 4.125%
HK$51,049
baseline
▲ 0.50% · 4.625%
HK$54,156
+HK$3,107/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,098/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,441
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,874
−HK$1,454/mo
Today · 4.125%
HK$56,328
baseline
▲ 0.50% · 4.625%
HK$59,297
+HK$2,969/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,656/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,645
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,438
−HK$1,821/mo
Today · 4.125%
HK$61,259
baseline
▲ 0.50% · 4.625%
HK$64,987
+HK$3,728/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$122,518/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,129
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,849
−HK$1,745/mo
Today · 4.125%
HK$67,594
baseline
▲ 0.50% · 4.625%
HK$71,157
+HK$3,563/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$135,188/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,252
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,344
−HK$2,125/mo
Today · 4.125%
HK$71,469
baseline
▲ 0.50% · 4.625%
HK$75,818
+HK$4,349/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$142,938/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,817
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,824
−HK$2,035/mo
Today · 4.125%
HK$78,859
baseline
▲ 0.50% · 4.625%
HK$83,016
+HK$4,157/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,718/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,467
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,156
−HK$2,733/mo
Today · 4.125%
HK$91,889
baseline
▲ 0.50% · 4.625%
HK$97,480
+HK$5,591/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$183,778/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,194
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,773
−HK$2,618/mo
Today · 4.125%
HK$101,391
baseline
▲ 0.50% · 4.625%
HK$106,735
+HK$5,344/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$202,782/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,656 · Scale 2, in force from 26 Feb 2026)