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$48,715
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,231
−HK$1,539/mo
Today · 4.125%
HK$51,770
baseline
▲ 0.50% · 4.625%
HK$54,920
+HK$3,150/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,540/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,195
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,649
−HK$1,474/mo
Today · 4.125%
HK$57,123
baseline
▲ 0.50% · 4.625%
HK$60,134
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,246/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,458
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,277
−HK$1,847/mo
Today · 4.125%
HK$62,124
baseline
▲ 0.50% · 4.625%
HK$65,904
+HK$3,780/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,248/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,034
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,779
−HK$1,769/mo
Today · 4.125%
HK$68,548
baseline
▲ 0.50% · 4.625%
HK$72,161
+HK$3,613/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,096/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,202
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,323
−HK$2,155/mo
Today · 4.125%
HK$72,478
baseline
▲ 0.50% · 4.625%
HK$76,889
+HK$4,411/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,956/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,874
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,908
−HK$2,065/mo
Today · 4.125%
HK$79,973
baseline
▲ 0.50% · 4.625%
HK$84,188
+HK$4,215/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,946/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,688
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,415
−HK$2,772/mo
Today · 4.125%
HK$93,187
baseline
▲ 0.50% · 4.625%
HK$98,857
+HK$5,670/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,374/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,552
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,168
−HK$2,654/mo
Today · 4.125%
HK$102,822
baseline
▲ 0.50% · 4.625%
HK$108,242
+HK$5,420/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,644/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,401 · Scale 2, in force from 26 Feb 2026)