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$48,618
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,130
−HK$1,537/mo
Today · 4.125%
HK$51,667
baseline
▲ 0.50% · 4.625%
HK$54,810
+HK$3,143/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,334/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,087
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,537
−HK$1,472/mo
Today · 4.125%
HK$57,009
baseline
▲ 0.50% · 4.625%
HK$60,014
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,018/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,341
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,156
−HK$1,844/mo
Today · 4.125%
HK$62,000
baseline
▲ 0.50% · 4.625%
HK$65,772
+HK$3,772/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$124,000/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,904
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,645
−HK$1,766/mo
Today · 4.125%
HK$68,411
baseline
▲ 0.50% · 4.625%
HK$72,017
+HK$3,606/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,822/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,065
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,182
−HK$2,151/mo
Today · 4.125%
HK$72,333
baseline
▲ 0.50% · 4.625%
HK$76,734
+HK$4,401/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$144,666/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,722
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,752
−HK$2,061/mo
Today · 4.125%
HK$79,813
baseline
▲ 0.50% · 4.625%
HK$84,020
+HK$4,207/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$159,626/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,512
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,234
−HK$2,766/mo
Today · 4.125%
HK$93,000
baseline
▲ 0.50% · 4.625%
HK$98,659
+HK$5,659/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,000/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,356
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,967
−HK$2,649/mo
Today · 4.125%
HK$102,616
baseline
▲ 0.50% · 4.625%
HK$108,025
+HK$5,409/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,232/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,120 · Scale 2, in force from 26 Feb 2026)