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$48,006
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,499
−HK$1,518/mo
Today · 4.125%
HK$51,017
baseline
▲ 0.50% · 4.625%
HK$54,121
+HK$3,104/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,034/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,406
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,839
−HK$1,453/mo
Today · 4.125%
HK$56,292
baseline
▲ 0.50% · 4.625%
HK$59,259
+HK$2,967/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,584/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$855,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,607
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,399
−HK$1,821/mo
Today · 4.125%
HK$61,220
baseline
▲ 0.50% · 4.625%
HK$64,945
+HK$3,725/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,440/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,088
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,806
−HK$1,744/mo
Today · 4.125%
HK$67,550
baseline
▲ 0.50% · 4.625%
HK$71,111
+HK$3,561/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,100/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$855,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,209
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,299
−HK$2,124/mo
Today · 4.125%
HK$71,423
baseline
▲ 0.50% · 4.625%
HK$75,769
+HK$4,346/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$142,846/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,769
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,774
−HK$2,034/mo
Today · 4.125%
HK$78,808
baseline
▲ 0.50% · 4.625%
HK$82,963
+HK$4,155/mo
Deposit HK$6.32M · loan HK$14.74M · min. income ≈ HK$157,616/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$855,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,411
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,099
−HK$2,731/mo
Today · 4.125%
HK$91,830
baseline
▲ 0.50% · 4.625%
HK$97,418
+HK$5,588/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$183,660/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,132
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,710
−HK$2,615/mo
Today · 4.125%
HK$101,325
baseline
▲ 0.50% · 4.625%
HK$106,666
+HK$5,341/mo
Deposit HK$2.11M · loan HK$18.95M · min. income ≈ HK$202,650/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$855,298 · Scale 2, in force from 26 Feb 2026)