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$48,672
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,186
−HK$1,538/mo
Today · 4.125%
HK$51,724
baseline
▲ 0.50% · 4.625%
HK$54,872
+HK$3,148/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,448/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,147
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,600
−HK$1,473/mo
Today · 4.125%
HK$57,073
baseline
▲ 0.50% · 4.625%
HK$60,081
+HK$3,008/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,146/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,407
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,224
−HK$1,845/mo
Today · 4.125%
HK$62,069
baseline
▲ 0.50% · 4.625%
HK$65,846
+HK$3,777/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,138/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,977
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,720
−HK$1,767/mo
Today · 4.125%
HK$68,487
baseline
▲ 0.50% · 4.625%
HK$72,098
+HK$3,611/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$136,974/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,141
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,261
−HK$2,153/mo
Today · 4.125%
HK$72,414
baseline
▲ 0.50% · 4.625%
HK$76,821
+HK$4,407/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,828/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,806
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,840
−HK$2,062/mo
Today · 4.125%
HK$79,902
baseline
▲ 0.50% · 4.625%
HK$84,114
+HK$4,212/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,804/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,610
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,335
−HK$2,769/mo
Today · 4.125%
HK$93,104
baseline
▲ 0.50% · 4.625%
HK$98,769
+HK$5,665/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,208/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,465
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,079
−HK$2,652/mo
Today · 4.125%
HK$102,731
baseline
▲ 0.50% · 4.625%
HK$108,146
+HK$5,415/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,462/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,510 · Scale 2, in force from 26 Feb 2026)