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$48,671
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,185
−HK$1,539/mo
Today · 4.125%
HK$51,724
baseline
▲ 0.50% · 4.625%
HK$54,871
+HK$3,147/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$884,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,146
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,599
−HK$1,473/mo
Today · 4.125%
HK$57,072
baseline
▲ 0.50% · 4.625%
HK$60,080
+HK$3,008/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,144/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,406
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,222
−HK$1,846/mo
Today · 4.125%
HK$62,068
baseline
▲ 0.50% · 4.625%
HK$65,845
+HK$3,777/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,136/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,976
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,718
−HK$1,768/mo
Today · 4.125%
HK$68,486
baseline
▲ 0.50% · 4.625%
HK$72,096
+HK$3,610/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$136,972/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,140
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,260
−HK$2,153/mo
Today · 4.125%
HK$72,413
baseline
▲ 0.50% · 4.625%
HK$76,819
+HK$4,406/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,826/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,805
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,838
−HK$2,063/mo
Today · 4.125%
HK$79,901
baseline
▲ 0.50% · 4.625%
HK$84,112
+HK$4,211/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,802/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,609
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,334
−HK$2,768/mo
Today · 4.125%
HK$93,102
baseline
▲ 0.50% · 4.625%
HK$98,767
+HK$5,665/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,204/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,464
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,078
−HK$2,651/mo
Today · 4.125%
HK$102,729
baseline
▲ 0.50% · 4.625%
HK$108,144
+HK$5,415/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,458/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,472 · Scale 2, in force from 26 Feb 2026)