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$48,658
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,172
−HK$1,537/mo
Today · 4.125%
HK$51,709
baseline
▲ 0.50% · 4.625%
HK$54,856
+HK$3,147/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,418/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,132
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,583
−HK$1,473/mo
Today · 4.125%
HK$57,056
baseline
▲ 0.50% · 4.625%
HK$60,064
+HK$3,008/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,112/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,390
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,206
−HK$1,845/mo
Today · 4.125%
HK$62,051
baseline
▲ 0.50% · 4.625%
HK$65,827
+HK$3,776/mo
Deposit HK$8.54M · loan HK$12.80M · min. income ≈ HK$124,102/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,958
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,700
−HK$1,767/mo
Today · 4.125%
HK$68,467
baseline
▲ 0.50% · 4.625%
HK$72,076
+HK$3,609/mo
Deposit HK$8.54M · loan HK$12.80M · min. income ≈ HK$136,934/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,121
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,240
−HK$2,153/mo
Today · 4.125%
HK$72,393
baseline
▲ 0.50% · 4.625%
HK$76,798
+HK$4,405/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,786/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$883,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,784
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,817
−HK$2,062/mo
Today · 4.125%
HK$79,879
baseline
▲ 0.50% · 4.625%
HK$84,089
+HK$4,210/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,758/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$883,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,585
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,309
−HK$2,768/mo
Today · 4.125%
HK$93,077
baseline
▲ 0.50% · 4.625%
HK$98,740
+HK$5,663/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,154/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,437
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,050
−HK$2,651/mo
Today · 4.125%
HK$102,701
baseline
▲ 0.50% · 4.625%
HK$108,115
+HK$5,414/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,402/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,888 · Scale 2, in force from 26 Feb 2026)