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$48,609
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,121
−HK$1,536/mo
Today · 4.125%
HK$51,657
baseline
▲ 0.50% · 4.625%
HK$54,800
+HK$3,143/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,314/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,077
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,527
−HK$1,471/mo
Today · 4.125%
HK$56,998
baseline
▲ 0.50% · 4.625%
HK$60,003
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$113,996/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,330
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,145
−HK$1,843/mo
Today · 4.125%
HK$61,988
baseline
▲ 0.50% · 4.625%
HK$65,760
+HK$3,772/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,976/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,892
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,632
−HK$1,766/mo
Today · 4.125%
HK$68,398
baseline
▲ 0.50% · 4.625%
HK$72,003
+HK$3,605/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,796/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,052
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,169
−HK$2,151/mo
Today · 4.125%
HK$72,320
baseline
▲ 0.50% · 4.625%
HK$76,720
+HK$4,400/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$144,640/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,707
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,738
−HK$2,060/mo
Today · 4.125%
HK$79,798
baseline
▲ 0.50% · 4.625%
HK$84,004
+HK$4,206/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$159,596/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,496
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,217
−HK$2,765/mo
Today · 4.125%
HK$92,982
baseline
▲ 0.50% · 4.625%
HK$98,640
+HK$5,658/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$185,964/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,338
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,949
−HK$2,648/mo
Today · 4.125%
HK$102,597
baseline
▲ 0.50% · 4.625%
HK$108,005
+HK$5,408/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,194/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,722 · Scale 2, in force from 26 Feb 2026)