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$48,684
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,199
−HK$1,538/mo
Today · 4.125%
HK$51,737
baseline
▲ 0.50% · 4.625%
HK$54,885
+HK$3,148/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,474/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,161
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,613
−HK$1,474/mo
Today · 4.125%
HK$57,087
baseline
▲ 0.50% · 4.625%
HK$60,096
+HK$3,009/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,174/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,421
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,238
−HK$1,847/mo
Today · 4.125%
HK$62,085
baseline
▲ 0.50% · 4.625%
HK$65,862
+HK$3,777/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,170/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,993
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,736
−HK$1,768/mo
Today · 4.125%
HK$68,504
baseline
▲ 0.50% · 4.625%
HK$72,115
+HK$3,611/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,008/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,158
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,278
−HK$2,154/mo
Today · 4.125%
HK$72,432
baseline
▲ 0.50% · 4.625%
HK$76,840
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,864/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,825
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,859
−HK$2,063/mo
Today · 4.125%
HK$79,922
baseline
▲ 0.50% · 4.625%
HK$84,135
+HK$4,213/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,844/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,632
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,358
−HK$2,769/mo
Today · 4.125%
HK$93,127
baseline
▲ 0.50% · 4.625%
HK$98,794
+HK$5,667/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,254/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,490
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,104
−HK$2,653/mo
Today · 4.125%
HK$102,757
baseline
▲ 0.50% · 4.625%
HK$108,173
+HK$5,416/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,514/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,040 · Scale 2, in force from 26 Feb 2026)