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$48,827
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,346
−HK$1,543/mo
Today · 4.125%
HK$51,889
baseline
▲ 0.50% · 4.625%
HK$55,046
+HK$3,157/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,778/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,319
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,776
−HK$1,478/mo
Today · 4.125%
HK$57,254
baseline
▲ 0.50% · 4.625%
HK$60,272
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,508/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,592
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,415
−HK$1,851/mo
Today · 4.125%
HK$62,266
baseline
▲ 0.50% · 4.625%
HK$66,055
+HK$3,789/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,532/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,183
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,931
−HK$1,774/mo
Today · 4.125%
HK$68,705
baseline
▲ 0.50% · 4.625%
HK$72,326
+HK$3,621/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,410/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,357
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,484
−HK$2,160/mo
Today · 4.125%
HK$72,644
baseline
▲ 0.50% · 4.625%
HK$77,064
+HK$4,420/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,288/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,047
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,087
−HK$2,069/mo
Today · 4.125%
HK$80,156
baseline
▲ 0.50% · 4.625%
HK$84,381
+HK$4,225/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,312/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,888
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,622
−HK$2,778/mo
Today · 4.125%
HK$93,400
baseline
▲ 0.50% · 4.625%
HK$99,083
+HK$5,683/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,800/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,775
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,397
−HK$2,660/mo
Today · 4.125%
HK$103,057
baseline
▲ 0.50% · 4.625%
HK$108,489
+HK$5,432/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,114/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,285 · Scale 2, in force from 26 Feb 2026)