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$48,722
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,238
−HK$1,540/mo
Today · 4.125%
HK$51,778
baseline
▲ 0.50% · 4.625%
HK$54,928
+HK$3,150/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,556/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,203
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,657
−HK$1,475/mo
Today · 4.125%
HK$57,132
baseline
▲ 0.50% · 4.625%
HK$60,143
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,264/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,467
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,286
−HK$1,847/mo
Today · 4.125%
HK$62,133
baseline
▲ 0.50% · 4.625%
HK$65,914
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,266/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,044
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,788
−HK$1,770/mo
Today · 4.125%
HK$68,558
baseline
▲ 0.50% · 4.625%
HK$72,172
+HK$3,614/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,116/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,211
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,333
−HK$2,156/mo
Today · 4.125%
HK$72,489
baseline
▲ 0.50% · 4.625%
HK$76,900
+HK$4,411/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$144,978/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,884
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,920
−HK$2,064/mo
Today · 4.125%
HK$79,984
baseline
▲ 0.50% · 4.625%
HK$84,200
+HK$4,216/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$159,968/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,700
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,428
−HK$2,772/mo
Today · 4.125%
HK$93,200
baseline
▲ 0.50% · 4.625%
HK$98,871
+HK$5,671/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,400/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,566
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,182
−HK$2,655/mo
Today · 4.125%
HK$102,837
baseline
▲ 0.50% · 4.625%
HK$108,258
+HK$5,421/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,674/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,708 · Scale 2, in force from 26 Feb 2026)