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$48,540
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,050
−HK$1,534/mo
Today · 4.125%
HK$51,584
baseline
▲ 0.50% · 4.625%
HK$54,722
+HK$3,138/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,168/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,000
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,448
−HK$1,469/mo
Today · 4.125%
HK$56,917
baseline
▲ 0.50% · 4.625%
HK$59,918
+HK$3,001/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,834/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,248
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,059
−HK$1,841/mo
Today · 4.125%
HK$61,900
baseline
▲ 0.50% · 4.625%
HK$65,667
+HK$3,767/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,800/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,800
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,538
−HK$1,763/mo
Today · 4.125%
HK$68,301
baseline
▲ 0.50% · 4.625%
HK$71,901
+HK$3,600/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,602/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,956
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,069
−HK$2,148/mo
Today · 4.125%
HK$72,217
baseline
▲ 0.50% · 4.625%
HK$76,611
+HK$4,394/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,434/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,600
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,627
−HK$2,057/mo
Today · 4.125%
HK$79,684
baseline
▲ 0.50% · 4.625%
HK$83,885
+HK$4,201/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,368/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,371
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,089
−HK$2,761/mo
Today · 4.125%
HK$92,850
baseline
▲ 0.50% · 4.625%
HK$98,500
+HK$5,650/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,700/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,200
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,807
−HK$2,644/mo
Today · 4.125%
HK$102,451
baseline
▲ 0.50% · 4.625%
HK$107,852
+HK$5,401/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,902/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,696 · Scale 2, in force from 26 Feb 2026)