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$48,706
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,221
−HK$1,539/mo
Today · 4.125%
HK$51,760
baseline
▲ 0.50% · 4.625%
HK$54,910
+HK$3,150/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,520/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$885,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,185
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,638
−HK$1,474/mo
Today · 4.125%
HK$57,112
baseline
▲ 0.50% · 4.625%
HK$60,123
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,224/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$885,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,447
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,265
−HK$1,847/mo
Today · 4.125%
HK$62,112
baseline
▲ 0.50% · 4.625%
HK$65,892
+HK$3,780/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$124,224/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,022
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,766
−HK$1,769/mo
Today · 4.125%
HK$68,535
baseline
▲ 0.50% · 4.625%
HK$72,147
+HK$3,612/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$137,070/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,188
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,309
−HK$2,155/mo
Today · 4.125%
HK$72,464
baseline
▲ 0.50% · 4.625%
HK$76,874
+HK$4,410/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,928/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,859
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,893
−HK$2,064/mo
Today · 4.125%
HK$79,957
baseline
▲ 0.50% · 4.625%
HK$84,172
+HK$4,215/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,914/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,671
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,398
−HK$2,770/mo
Today · 4.125%
HK$93,168
baseline
▲ 0.50% · 4.625%
HK$98,838
+HK$5,670/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,336/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,533
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,149
−HK$2,653/mo
Today · 4.125%
HK$102,802
baseline
▲ 0.50% · 4.625%
HK$108,221
+HK$5,419/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,604/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,986 · Scale 2, in force from 26 Feb 2026)