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$48,756
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,273
−HK$1,541/mo
Today · 4.125%
HK$51,814
baseline
▲ 0.50% · 4.625%
HK$54,967
+HK$3,153/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,628/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,241
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,696
−HK$1,475/mo
Today · 4.125%
HK$57,171
baseline
▲ 0.50% · 4.625%
HK$60,185
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,342/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,508
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,327
−HK$1,850/mo
Today · 4.125%
HK$62,177
baseline
▲ 0.50% · 4.625%
HK$65,960
+HK$3,783/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,354/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,089
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,835
−HK$1,771/mo
Today · 4.125%
HK$68,606
baseline
▲ 0.50% · 4.625%
HK$72,222
+HK$3,616/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,212/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,259
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,382
−HK$2,157/mo
Today · 4.125%
HK$72,539
baseline
▲ 0.50% · 4.625%
HK$76,953
+HK$4,414/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$145,078/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,937
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,974
−HK$2,066/mo
Today · 4.125%
HK$80,040
baseline
▲ 0.50% · 4.625%
HK$84,259
+HK$4,219/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$160,080/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,761
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,491
−HK$2,774/mo
Today · 4.125%
HK$93,265
baseline
▲ 0.50% · 4.625%
HK$98,940
+HK$5,675/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,530/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,634
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,252
−HK$2,656/mo
Today · 4.125%
HK$102,908
baseline
▲ 0.50% · 4.625%
HK$108,333
+HK$5,425/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,816/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,195 · Scale 2, in force from 26 Feb 2026)