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$48,682
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,197
−HK$1,538/mo
Today · 4.125%
HK$51,735
baseline
▲ 0.50% · 4.625%
HK$54,883
+HK$3,148/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,470/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,159
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,611
−HK$1,474/mo
Today · 4.125%
HK$57,085
baseline
▲ 0.50% · 4.625%
HK$60,094
+HK$3,009/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,170/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,419
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,236
−HK$1,846/mo
Today · 4.125%
HK$62,082
baseline
▲ 0.50% · 4.625%
HK$65,860
+HK$3,778/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,164/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,990
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,733
−HK$1,769/mo
Today · 4.125%
HK$68,502
baseline
▲ 0.50% · 4.625%
HK$72,112
+HK$3,610/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,004/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,155
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,275
−HK$2,154/mo
Today · 4.125%
HK$72,429
baseline
▲ 0.50% · 4.625%
HK$76,836
+HK$4,407/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,858/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,822
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,856
−HK$2,062/mo
Today · 4.125%
HK$79,918
baseline
▲ 0.50% · 4.625%
HK$84,131
+HK$4,213/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,836/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,628
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,354
−HK$2,769/mo
Today · 4.125%
HK$93,123
baseline
▲ 0.50% · 4.625%
HK$98,790
+HK$5,667/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,246/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,485
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,100
−HK$2,652/mo
Today · 4.125%
HK$102,752
baseline
▲ 0.50% · 4.625%
HK$108,169
+HK$5,417/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,504/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,949 · Scale 2, in force from 26 Feb 2026)