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$48,008
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,502
−HK$1,517/mo
Today · 4.125%
HK$51,019
baseline
▲ 0.50% · 4.625%
HK$54,123
+HK$3,104/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,038/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,409
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,841
−HK$1,453/mo
Today · 4.125%
HK$56,294
baseline
▲ 0.50% · 4.625%
HK$59,262
+HK$2,968/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,588/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,610
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,402
−HK$1,821/mo
Today · 4.125%
HK$61,223
baseline
▲ 0.50% · 4.625%
HK$64,948
+HK$3,725/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,446/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,091
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,810
−HK$1,743/mo
Today · 4.125%
HK$67,553
baseline
▲ 0.50% · 4.625%
HK$71,114
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,106/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,212
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,303
−HK$2,124/mo
Today · 4.125%
HK$71,427
baseline
▲ 0.50% · 4.625%
HK$75,773
+HK$4,346/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,854/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,773
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,778
−HK$2,034/mo
Today · 4.125%
HK$78,812
baseline
▲ 0.50% · 4.625%
HK$82,967
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,624/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,415
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,103
−HK$2,731/mo
Today · 4.125%
HK$91,834
baseline
▲ 0.50% · 4.625%
HK$97,422
+HK$5,588/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,668/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,136
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,714
−HK$2,616/mo
Today · 4.125%
HK$101,330
baseline
▲ 0.50% · 4.625%
HK$106,671
+HK$5,341/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,660/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,398 · Scale 2, in force from 26 Feb 2026)