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$48,506
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,014
−HK$1,533/mo
Today · 4.125%
HK$51,547
baseline
▲ 0.50% · 4.625%
HK$54,684
+HK$3,137/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,094/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$877,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,962
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,409
−HK$1,468/mo
Today · 4.125%
HK$56,877
baseline
▲ 0.50% · 4.625%
HK$59,875
+HK$2,998/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,754/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$877,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,207
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,017
−HK$1,840/mo
Today · 4.125%
HK$61,857
baseline
▲ 0.50% · 4.625%
HK$65,621
+HK$3,764/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,714/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,754
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,491
−HK$1,762/mo
Today · 4.125%
HK$68,253
baseline
▲ 0.50% · 4.625%
HK$71,851
+HK$3,598/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,506/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,908
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,020
−HK$2,146/mo
Today · 4.125%
HK$72,166
baseline
▲ 0.50% · 4.625%
HK$76,557
+HK$4,391/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,332/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,547
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,573
−HK$2,055/mo
Today · 4.125%
HK$79,628
baseline
▲ 0.50% · 4.625%
HK$83,826
+HK$4,198/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,256/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,310
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,026
−HK$2,759/mo
Today · 4.125%
HK$92,785
baseline
▲ 0.50% · 4.625%
HK$98,431
+HK$5,646/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,570/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$877,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,132
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,737
−HK$2,642/mo
Today · 4.125%
HK$102,379
baseline
▲ 0.50% · 4.625%
HK$107,776
+HK$5,397/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,758/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$877,198 · Scale 2, in force from 26 Feb 2026)