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$48,735
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,251
−HK$1,540/mo
Today · 4.125%
HK$51,791
baseline
▲ 0.50% · 4.625%
HK$54,943
+HK$3,152/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,582/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,217
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,671
−HK$1,476/mo
Today · 4.125%
HK$57,147
baseline
▲ 0.50% · 4.625%
HK$60,159
+HK$3,012/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,294/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,482
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,301
−HK$1,849/mo
Today · 4.125%
HK$62,150
baseline
▲ 0.50% · 4.625%
HK$65,931
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,300/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,061
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,806
−HK$1,770/mo
Today · 4.125%
HK$68,576
baseline
▲ 0.50% · 4.625%
HK$72,191
+HK$3,615/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,152/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,229
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,352
−HK$2,156/mo
Today · 4.125%
HK$72,508
baseline
▲ 0.50% · 4.625%
HK$76,920
+HK$4,412/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,016/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,904
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,940
−HK$2,065/mo
Today · 4.125%
HK$80,005
baseline
▲ 0.50% · 4.625%
HK$84,222
+HK$4,217/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$160,010/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,723
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,452
−HK$2,772/mo
Today · 4.125%
HK$93,224
baseline
▲ 0.50% · 4.625%
HK$98,897
+HK$5,673/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,448/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,591
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,209
−HK$2,655/mo
Today · 4.125%
HK$102,864
baseline
▲ 0.50% · 4.625%
HK$108,286
+HK$5,422/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,728/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,268 · Scale 2, in force from 26 Feb 2026)