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$48,000
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,493
−HK$1,517/mo
Today · 4.125%
HK$51,010
baseline
▲ 0.50% · 4.625%
HK$54,113
+HK$3,103/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,020/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,399
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,831
−HK$1,453/mo
Today · 4.125%
HK$56,284
baseline
▲ 0.50% · 4.625%
HK$59,251
+HK$2,967/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,568/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,599
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,391
−HK$1,820/mo
Today · 4.125%
HK$61,211
baseline
▲ 0.50% · 4.625%
HK$64,936
+HK$3,725/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,422/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,079
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,797
−HK$1,744/mo
Today · 4.125%
HK$67,541
baseline
▲ 0.50% · 4.625%
HK$71,101
+HK$3,560/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,082/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,199
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,290
−HK$2,123/mo
Today · 4.125%
HK$71,413
baseline
▲ 0.50% · 4.625%
HK$75,759
+HK$4,346/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,826/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,759
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,764
−HK$2,034/mo
Today · 4.125%
HK$78,798
baseline
▲ 0.50% · 4.625%
HK$82,951
+HK$4,153/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,596/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,399
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,087
−HK$2,730/mo
Today · 4.125%
HK$91,817
baseline
▲ 0.50% · 4.625%
HK$97,404
+HK$5,587/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,634/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,118
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,696
−HK$2,615/mo
Today · 4.125%
HK$101,311
baseline
▲ 0.50% · 4.625%
HK$106,651
+HK$5,340/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,622/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,007 · Scale 2, in force from 26 Feb 2026)