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$48,729
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,245
−HK$1,540/mo
Today · 4.125%
HK$51,785
baseline
▲ 0.50% · 4.625%
HK$54,936
+HK$3,151/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,570/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,211
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,664
−HK$1,475/mo
Today · 4.125%
HK$57,139
baseline
▲ 0.50% · 4.625%
HK$60,151
+HK$3,012/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,278/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,475
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,294
−HK$1,848/mo
Today · 4.125%
HK$62,142
baseline
▲ 0.50% · 4.625%
HK$65,923
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,284/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,053
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,797
−HK$1,770/mo
Today · 4.125%
HK$68,567
baseline
▲ 0.50% · 4.625%
HK$72,182
+HK$3,615/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,134/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,221
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,343
−HK$2,156/mo
Today · 4.125%
HK$72,499
baseline
▲ 0.50% · 4.625%
HK$76,910
+HK$4,411/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$144,998/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,895
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,930
−HK$2,065/mo
Today · 4.125%
HK$79,995
baseline
▲ 0.50% · 4.625%
HK$84,212
+HK$4,217/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$159,990/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,712
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,441
−HK$2,772/mo
Today · 4.125%
HK$93,213
baseline
▲ 0.50% · 4.625%
HK$98,884
+HK$5,671/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,426/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,579
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,196
−HK$2,655/mo
Today · 4.125%
HK$102,851
baseline
▲ 0.50% · 4.625%
HK$108,272
+HK$5,421/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,702/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,997 · Scale 2, in force from 26 Feb 2026)