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$48,738
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,254
−HK$1,540/mo
Today · 4.125%
HK$51,794
baseline
▲ 0.50% · 4.625%
HK$54,946
+HK$3,152/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,588/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,221
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,675
−HK$1,475/mo
Today · 4.125%
HK$57,150
baseline
▲ 0.50% · 4.625%
HK$60,163
+HK$3,013/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,300/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,486
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,305
−HK$1,848/mo
Today · 4.125%
HK$62,153
baseline
▲ 0.50% · 4.625%
HK$65,935
+HK$3,782/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,306/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,065
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,810
−HK$1,770/mo
Today · 4.125%
HK$68,580
baseline
▲ 0.50% · 4.625%
HK$72,195
+HK$3,615/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,160/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,233
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,356
−HK$2,156/mo
Today · 4.125%
HK$72,512
baseline
▲ 0.50% · 4.625%
HK$76,924
+HK$4,412/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,024/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,909
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,945
−HK$2,065/mo
Today · 4.125%
HK$80,010
baseline
▲ 0.50% · 4.625%
HK$84,228
+HK$4,218/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$160,020/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,729
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,458
−HK$2,772/mo
Today · 4.125%
HK$93,230
baseline
▲ 0.50% · 4.625%
HK$98,903
+HK$5,673/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,460/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,597
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,215
−HK$2,655/mo
Today · 4.125%
HK$102,870
baseline
▲ 0.50% · 4.625%
HK$108,293
+HK$5,423/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,740/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,399 · Scale 2, in force from 26 Feb 2026)