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$48,539
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,049
−HK$1,534/mo
Today · 4.125%
HK$51,583
baseline
▲ 0.50% · 4.625%
HK$54,722
+HK$3,139/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,166/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,679 · 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$59,917
+HK$3,000/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$878,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,247
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,059
−HK$1,841/mo
Today · 4.125%
HK$61,900
baseline
▲ 0.50% · 4.625%
HK$65,666
+HK$3,766/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$878,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,799
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,537
−HK$1,763/mo
Today · 4.125%
HK$68,300
baseline
▲ 0.50% · 4.625%
HK$71,901
+HK$3,601/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,600/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,955
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,069
−HK$2,147/mo
Today · 4.125%
HK$72,216
baseline
▲ 0.50% · 4.625%
HK$76,611
+HK$4,395/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,432/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,599
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,627
−HK$2,057/mo
Today · 4.125%
HK$79,684
baseline
▲ 0.50% · 4.625%
HK$83,884
+HK$4,200/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$878,679 · 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$98,499
+HK$5,649/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$878,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,199
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,806
−HK$2,645/mo
Today · 4.125%
HK$102,451
baseline
▲ 0.50% · 4.625%
HK$107,851
+HK$5,400/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$878,679 · Scale 2, in force from 26 Feb 2026)