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$48,628
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,141
−HK$1,537/mo
Today · 4.125%
HK$51,678
baseline
▲ 0.50% · 4.625%
HK$54,822
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,356/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,099
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,550
−HK$1,471/mo
Today · 4.125%
HK$57,021
baseline
▲ 0.50% · 4.625%
HK$60,027
+HK$3,006/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,042/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,354
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,169
−HK$1,844/mo
Today · 4.125%
HK$62,013
baseline
▲ 0.50% · 4.625%
HK$65,787
+HK$3,774/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,026/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,918
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,659
−HK$1,767/mo
Today · 4.125%
HK$68,426
baseline
▲ 0.50% · 4.625%
HK$72,032
+HK$3,606/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,852/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,080
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,197
−HK$2,152/mo
Today · 4.125%
HK$72,349
baseline
▲ 0.50% · 4.625%
HK$76,751
+HK$4,402/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,698/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,738
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,769
−HK$2,061/mo
Today · 4.125%
HK$79,830
baseline
▲ 0.50% · 4.625%
HK$84,038
+HK$4,208/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,660/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,531
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,254
−HK$2,766/mo
Today · 4.125%
HK$93,020
baseline
▲ 0.50% · 4.625%
HK$98,680
+HK$5,660/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,040/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,378
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,989
−HK$2,650/mo
Today · 4.125%
HK$102,639
baseline
▲ 0.50% · 4.625%
HK$108,049
+HK$5,410/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,278/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,586 · Scale 2, in force from 26 Feb 2026)