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$48,017
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,510
−HK$1,518/mo
Today · 4.125%
HK$51,028
baseline
▲ 0.50% · 4.625%
HK$54,133
+HK$3,105/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,056/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,418
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,851
−HK$1,453/mo
Today · 4.125%
HK$56,304
baseline
▲ 0.50% · 4.625%
HK$59,272
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,608/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,620
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,412
−HK$1,821/mo
Today · 4.125%
HK$61,233
baseline
▲ 0.50% · 4.625%
HK$64,959
+HK$3,726/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,466/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,102
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,821
−HK$1,744/mo
Today · 4.125%
HK$67,565
baseline
▲ 0.50% · 4.625%
HK$71,126
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,130/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,223
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,315
−HK$2,124/mo
Today · 4.125%
HK$71,439
baseline
▲ 0.50% · 4.625%
HK$75,786
+HK$4,347/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,878/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,785
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,791
−HK$2,035/mo
Today · 4.125%
HK$78,826
baseline
▲ 0.50% · 4.625%
HK$82,981
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,652/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,430
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,119
−HK$2,731/mo
Today · 4.125%
HK$91,850
baseline
▲ 0.50% · 4.625%
HK$97,439
+HK$5,589/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,700/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,153
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,731
−HK$2,617/mo
Today · 4.125%
HK$101,348
baseline
▲ 0.50% · 4.625%
HK$106,690
+HK$5,342/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,696/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,763 · Scale 2, in force from 26 Feb 2026)