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$48,737
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,253
−HK$1,540/mo
Today · 4.125%
HK$51,793
baseline
▲ 0.50% · 4.625%
HK$54,944
+HK$3,151/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,586/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,219
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,673
−HK$1,475/mo
Today · 4.125%
HK$57,148
baseline
▲ 0.50% · 4.625%
HK$60,161
+HK$3,013/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,296/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,484
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,303
−HK$1,848/mo
Today · 4.125%
HK$62,151
baseline
▲ 0.50% · 4.625%
HK$65,933
+HK$3,782/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,302/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,063
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,808
−HK$1,770/mo
Today · 4.125%
HK$68,578
baseline
▲ 0.50% · 4.625%
HK$72,193
+HK$3,615/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,156/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,231
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,354
−HK$2,156/mo
Today · 4.125%
HK$72,510
baseline
▲ 0.50% · 4.625%
HK$76,922
+HK$4,412/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,020/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,906
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,942
−HK$2,065/mo
Today · 4.125%
HK$80,007
baseline
▲ 0.50% · 4.625%
HK$84,225
+HK$4,218/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$160,014/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,726
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,455
−HK$2,772/mo
Today · 4.125%
HK$93,227
baseline
▲ 0.50% · 4.625%
HK$98,900
+HK$5,673/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,454/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,594
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,211
−HK$2,656/mo
Today · 4.125%
HK$102,867
baseline
▲ 0.50% · 4.625%
HK$108,289
+HK$5,422/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,734/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,327 · Scale 2, in force from 26 Feb 2026)