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$48,538
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,048
−HK$1,534/mo
Today · 4.125%
HK$51,582
baseline
▲ 0.50% · 4.625%
HK$54,721
+HK$3,139/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,164/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,998
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,446
−HK$1,470/mo
Today · 4.125%
HK$56,916
baseline
▲ 0.50% · 4.625%
HK$59,916
+HK$3,000/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,832/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,246
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,058
−HK$1,840/mo
Today · 4.125%
HK$61,898
baseline
▲ 0.50% · 4.625%
HK$65,665
+HK$3,767/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,796/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,798
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,536
−HK$1,763/mo
Today · 4.125%
HK$68,299
baseline
▲ 0.50% · 4.625%
HK$71,899
+HK$3,600/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,598/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,954
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,067
−HK$2,148/mo
Today · 4.125%
HK$72,215
baseline
▲ 0.50% · 4.625%
HK$76,609
+HK$4,394/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,430/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,598
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,625
−HK$2,057/mo
Today · 4.125%
HK$79,682
baseline
▲ 0.50% · 4.625%
HK$83,882
+HK$4,200/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,364/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,369
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,086
−HK$2,762/mo
Today · 4.125%
HK$92,848
baseline
▲ 0.50% · 4.625%
HK$98,497
+HK$5,649/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,696/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,197
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,804
−HK$2,644/mo
Today · 4.125%
HK$102,448
baseline
▲ 0.50% · 4.625%
HK$107,848
+HK$5,400/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,896/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,630 · Scale 2, in force from 26 Feb 2026)