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$48,701
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,216
−HK$1,539/mo
Today · 4.125%
HK$51,755
baseline
▲ 0.50% · 4.625%
HK$54,904
+HK$3,149/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,510/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,180
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,633
−HK$1,474/mo
Today · 4.125%
HK$57,107
baseline
▲ 0.50% · 4.625%
HK$60,117
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,214/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,441
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,259
−HK$1,847/mo
Today · 4.125%
HK$62,106
baseline
▲ 0.50% · 4.625%
HK$65,885
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,212/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,015
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,759
−HK$1,769/mo
Today · 4.125%
HK$68,528
baseline
▲ 0.50% · 4.625%
HK$72,140
+HK$3,612/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,056/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,182
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,302
−HK$2,155/mo
Today · 4.125%
HK$72,457
baseline
▲ 0.50% · 4.625%
HK$76,866
+HK$4,409/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,914/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,851
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,886
−HK$2,063/mo
Today · 4.125%
HK$79,949
baseline
▲ 0.50% · 4.625%
HK$84,164
+HK$4,215/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,898/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,662
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,389
−HK$2,770/mo
Today · 4.125%
HK$93,159
baseline
▲ 0.50% · 4.625%
HK$98,828
+HK$5,669/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,318/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,523
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,139
−HK$2,653/mo
Today · 4.125%
HK$102,792
baseline
▲ 0.50% · 4.625%
HK$108,210
+HK$5,418/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,584/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,776 · Scale 2, in force from 26 Feb 2026)