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$48,602
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,114
−HK$1,536/mo
Today · 4.125%
HK$51,650
baseline
▲ 0.50% · 4.625%
HK$54,793
+HK$3,143/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,300/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,069
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,519
−HK$1,471/mo
Today · 4.125%
HK$56,990
baseline
▲ 0.50% · 4.625%
HK$59,994
+HK$3,004/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$113,980/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,322
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,137
−HK$1,843/mo
Today · 4.125%
HK$61,980
baseline
▲ 0.50% · 4.625%
HK$65,751
+HK$3,771/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,960/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,883
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,623
−HK$1,765/mo
Today · 4.125%
HK$68,388
baseline
▲ 0.50% · 4.625%
HK$71,993
+HK$3,605/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,776/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,043
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,159
−HK$2,151/mo
Today · 4.125%
HK$72,310
baseline
▲ 0.50% · 4.625%
HK$76,710
+HK$4,400/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$144,620/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,697
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,727
−HK$2,060/mo
Today · 4.125%
HK$79,787
baseline
▲ 0.50% · 4.625%
HK$83,992
+HK$4,205/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$159,574/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,484
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,205
−HK$2,765/mo
Today · 4.125%
HK$92,970
baseline
▲ 0.50% · 4.625%
HK$98,627
+HK$5,657/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$185,940/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,325
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,935
−HK$2,648/mo
Today · 4.125%
HK$102,583
baseline
▲ 0.50% · 4.625%
HK$107,990
+HK$5,407/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$205,166/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,426 · Scale 2, in force from 26 Feb 2026)