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$48,636
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,149
−HK$1,537/mo
Today · 4.125%
HK$51,686
baseline
▲ 0.50% · 4.625%
HK$54,831
+HK$3,145/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,372/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,107
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,558
−HK$1,472/mo
Today · 4.125%
HK$57,030
baseline
▲ 0.50% · 4.625%
HK$60,036
+HK$3,006/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,060/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,363
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,178
−HK$1,845/mo
Today · 4.125%
HK$62,023
baseline
▲ 0.50% · 4.625%
HK$65,797
+HK$3,774/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,046/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,928
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,670
−HK$1,766/mo
Today · 4.125%
HK$68,436
baseline
▲ 0.50% · 4.625%
HK$72,044
+HK$3,608/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,872/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,090
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,208
−HK$2,152/mo
Today · 4.125%
HK$72,360
baseline
▲ 0.50% · 4.625%
HK$76,763
+HK$4,403/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,720/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,750
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,781
−HK$2,061/mo
Today · 4.125%
HK$79,842
baseline
▲ 0.50% · 4.625%
HK$84,051
+HK$4,209/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,684/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,545
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,268
−HK$2,766/mo
Today · 4.125%
HK$93,034
baseline
▲ 0.50% · 4.625%
HK$98,695
+HK$5,661/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,068/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,392
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,004
−HK$2,650/mo
Today · 4.125%
HK$102,654
baseline
▲ 0.50% · 4.625%
HK$108,065
+HK$5,411/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,308/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,913 · Scale 2, in force from 26 Feb 2026)