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$48,633
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,146
−HK$1,537/mo
Today · 4.125%
HK$51,683
baseline
▲ 0.50% · 4.625%
HK$54,828
+HK$3,145/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,366/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,104
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,555
−HK$1,472/mo
Today · 4.125%
HK$57,027
baseline
▲ 0.50% · 4.625%
HK$60,033
+HK$3,006/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,054/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,360
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,175
−HK$1,844/mo
Today · 4.125%
HK$62,019
baseline
▲ 0.50% · 4.625%
HK$65,793
+HK$3,774/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,038/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,925
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,666
−HK$1,766/mo
Today · 4.125%
HK$68,432
baseline
▲ 0.50% · 4.625%
HK$72,039
+HK$3,607/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,864/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,086
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,204
−HK$2,152/mo
Today · 4.125%
HK$72,356
baseline
▲ 0.50% · 4.625%
HK$76,759
+HK$4,403/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,712/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,745
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,777
−HK$2,061/mo
Today · 4.125%
HK$79,838
baseline
▲ 0.50% · 4.625%
HK$84,046
+HK$4,208/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,676/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,540
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,263
−HK$2,766/mo
Today · 4.125%
HK$93,029
baseline
▲ 0.50% · 4.625%
HK$98,690
+HK$5,661/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,058/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,387
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,999
−HK$2,649/mo
Today · 4.125%
HK$102,648
baseline
▲ 0.50% · 4.625%
HK$108,059
+HK$5,411/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,296/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,790 · Scale 2, in force from 26 Feb 2026)