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$48,711
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,226
−HK$1,539/mo
Today · 4.125%
HK$51,765
baseline
▲ 0.50% · 4.625%
HK$54,915
+HK$3,150/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,530/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,190
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,643
−HK$1,475/mo
Today · 4.125%
HK$57,118
baseline
▲ 0.50% · 4.625%
HK$60,128
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,236/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,453
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,271
−HK$1,847/mo
Today · 4.125%
HK$62,118
baseline
▲ 0.50% · 4.625%
HK$65,898
+HK$3,780/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$124,236/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,028
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,772
−HK$1,769/mo
Today · 4.125%
HK$68,541
baseline
▲ 0.50% · 4.625%
HK$72,154
+HK$3,613/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$137,082/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,195
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,316
−HK$2,155/mo
Today · 4.125%
HK$72,471
baseline
▲ 0.50% · 4.625%
HK$76,881
+HK$4,410/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,942/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$886,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,866
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,901
−HK$2,064/mo
Today · 4.125%
HK$79,965
baseline
▲ 0.50% · 4.625%
HK$84,180
+HK$4,215/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,930/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$886,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,679
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,406
−HK$2,771/mo
Today · 4.125%
HK$93,177
baseline
▲ 0.50% · 4.625%
HK$98,847
+HK$5,670/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,354/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,542
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,158
−HK$2,654/mo
Today · 4.125%
HK$102,812
baseline
▲ 0.50% · 4.625%
HK$108,231
+HK$5,419/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,624/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,186 · Scale 2, in force from 26 Feb 2026)