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$48,685
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,199
−HK$1,539/mo
Today · 4.125%
HK$51,738
baseline
▲ 0.50% · 4.625%
HK$54,886
+HK$3,148/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,476/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,162
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,614
−HK$1,474/mo
Today · 4.125%
HK$57,088
baseline
▲ 0.50% · 4.625%
HK$60,097
+HK$3,009/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,176/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,422
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,239
−HK$1,847/mo
Today · 4.125%
HK$62,086
baseline
▲ 0.50% · 4.625%
HK$65,863
+HK$3,777/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,172/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,994
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,737
−HK$1,768/mo
Today · 4.125%
HK$68,505
baseline
▲ 0.50% · 4.625%
HK$72,116
+HK$3,611/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,010/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,159
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,279
−HK$2,154/mo
Today · 4.125%
HK$72,433
baseline
▲ 0.50% · 4.625%
HK$76,841
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,866/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,826
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,860
−HK$2,063/mo
Today · 4.125%
HK$79,923
baseline
▲ 0.50% · 4.625%
HK$84,136
+HK$4,213/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,846/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,633
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,359
−HK$2,769/mo
Today · 4.125%
HK$93,128
baseline
▲ 0.50% · 4.625%
HK$98,795
+HK$5,667/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,256/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,491
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,105
−HK$2,653/mo
Today · 4.125%
HK$102,758
baseline
▲ 0.50% · 4.625%
HK$108,174
+HK$5,416/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,516/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,066 · Scale 2, in force from 26 Feb 2026)