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$48,651
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,164
−HK$1,538/mo
Today · 4.125%
HK$51,702
baseline
▲ 0.50% · 4.625%
HK$54,848
+HK$3,146/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,404/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,124
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,575
−HK$1,473/mo
Today · 4.125%
HK$57,048
baseline
▲ 0.50% · 4.625%
HK$60,055
+HK$3,007/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,096/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,381
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,197
−HK$1,845/mo
Today · 4.125%
HK$62,042
baseline
▲ 0.50% · 4.625%
HK$65,817
+HK$3,775/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,084/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,948
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,690
−HK$1,767/mo
Today · 4.125%
HK$68,457
baseline
▲ 0.50% · 4.625%
HK$72,066
+HK$3,609/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,914/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,111
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,230
−HK$2,152/mo
Today · 4.125%
HK$72,382
baseline
▲ 0.50% · 4.625%
HK$76,787
+HK$4,405/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,764/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,773
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,805
−HK$2,062/mo
Today · 4.125%
HK$79,867
baseline
▲ 0.50% · 4.625%
HK$84,077
+HK$4,210/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,734/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,571
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,295
−HK$2,768/mo
Today · 4.125%
HK$93,063
baseline
▲ 0.50% · 4.625%
HK$98,726
+HK$5,663/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,126/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,422
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,035
−HK$2,651/mo
Today · 4.125%
HK$102,686
baseline
▲ 0.50% · 4.625%
HK$108,099
+HK$5,413/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,372/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,569 · Scale 2, in force from 26 Feb 2026)