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$48,712
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,227
−HK$1,539/mo
Today · 4.125%
HK$51,766
baseline
▲ 0.50% · 4.625%
HK$54,916
+HK$3,150/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,532/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,191
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,644
−HK$1,475/mo
Today · 4.125%
HK$57,119
baseline
▲ 0.50% · 4.625%
HK$60,130
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,238/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,454
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,272
−HK$1,847/mo
Today · 4.125%
HK$62,119
baseline
▲ 0.50% · 4.625%
HK$65,899
+HK$3,780/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$124,238/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,029
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,773
−HK$1,770/mo
Today · 4.125%
HK$68,543
baseline
▲ 0.50% · 4.625%
HK$72,156
+HK$3,613/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$137,086/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,196
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,317
−HK$2,156/mo
Today · 4.125%
HK$72,473
baseline
▲ 0.50% · 4.625%
HK$76,882
+HK$4,409/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,946/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$886,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,867
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,902
−HK$2,064/mo
Today · 4.125%
HK$79,966
baseline
▲ 0.50% · 4.625%
HK$84,182
+HK$4,216/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,932/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$886,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,681
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,408
−HK$2,771/mo
Today · 4.125%
HK$93,179
baseline
▲ 0.50% · 4.625%
HK$98,849
+HK$5,670/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,358/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,544
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,160
−HK$2,654/mo
Today · 4.125%
HK$102,814
baseline
▲ 0.50% · 4.625%
HK$108,233
+HK$5,419/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,628/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,230 · Scale 2, in force from 26 Feb 2026)