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$48,765
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,282
−HK$1,541/mo
Today · 4.125%
HK$51,823
baseline
▲ 0.50% · 4.625%
HK$54,977
+HK$3,154/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,646/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,251
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,706
−HK$1,476/mo
Today · 4.125%
HK$57,182
baseline
▲ 0.50% · 4.625%
HK$60,196
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,364/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,518
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,339
−HK$1,849/mo
Today · 4.125%
HK$62,188
baseline
▲ 0.50% · 4.625%
HK$65,972
+HK$3,784/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,376/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,101
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,847
−HK$1,771/mo
Today · 4.125%
HK$68,618
baseline
▲ 0.50% · 4.625%
HK$72,235
+HK$3,617/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,236/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,272
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,395
−HK$2,158/mo
Today · 4.125%
HK$72,553
baseline
▲ 0.50% · 4.625%
HK$76,967
+HK$4,414/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,106/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,951
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,988
−HK$2,067/mo
Today · 4.125%
HK$80,055
baseline
▲ 0.50% · 4.625%
HK$84,275
+HK$4,220/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,110/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,778
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,508
−HK$2,774/mo
Today · 4.125%
HK$93,282
baseline
▲ 0.50% · 4.625%
HK$98,958
+HK$5,676/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,564/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,652
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,271
−HK$2,657/mo
Today · 4.125%
HK$102,928
baseline
▲ 0.50% · 4.625%
HK$108,353
+HK$5,425/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,856/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,592 · Scale 2, in force from 26 Feb 2026)