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$48,630
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,142
−HK$1,537/mo
Today · 4.125%
HK$51,679
baseline
▲ 0.50% · 4.625%
HK$54,824
+HK$3,145/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,358/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,100
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,551
−HK$1,472/mo
Today · 4.125%
HK$57,023
baseline
▲ 0.50% · 4.625%
HK$60,028
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,046/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,355
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,171
−HK$1,844/mo
Today · 4.125%
HK$62,015
baseline
▲ 0.50% · 4.625%
HK$65,788
+HK$3,773/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,030/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,920
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,661
−HK$1,766/mo
Today · 4.125%
HK$68,427
baseline
▲ 0.50% · 4.625%
HK$72,034
+HK$3,607/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,854/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,081
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,199
−HK$2,152/mo
Today · 4.125%
HK$72,351
baseline
▲ 0.50% · 4.625%
HK$76,753
+HK$4,402/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,702/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,740
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,771
−HK$2,061/mo
Today · 4.125%
HK$79,832
baseline
▲ 0.50% · 4.625%
HK$84,040
+HK$4,208/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,664/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,533
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,256
−HK$2,766/mo
Today · 4.125%
HK$93,022
baseline
▲ 0.50% · 4.625%
HK$98,682
+HK$5,660/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,044/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,380
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,991
−HK$2,650/mo
Today · 4.125%
HK$102,641
baseline
▲ 0.50% · 4.625%
HK$108,051
+HK$5,410/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,282/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,636 · Scale 2, in force from 26 Feb 2026)