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$48,500
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,009
−HK$1,532/mo
Today · 4.125%
HK$51,541
baseline
▲ 0.50% · 4.625%
HK$54,678
+HK$3,137/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,082/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,956
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,403
−HK$1,468/mo
Today · 4.125%
HK$56,871
baseline
▲ 0.50% · 4.625%
HK$59,869
+HK$2,998/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,742/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,200
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,010
−HK$1,840/mo
Today · 4.125%
HK$61,850
baseline
▲ 0.50% · 4.625%
HK$65,613
+HK$3,763/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,700/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,747
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,483
−HK$1,762/mo
Today · 4.125%
HK$68,245
baseline
▲ 0.50% · 4.625%
HK$71,842
+HK$3,597/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,490/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,900
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,012
−HK$2,146/mo
Today · 4.125%
HK$72,158
baseline
▲ 0.50% · 4.625%
HK$76,549
+HK$4,391/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,316/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,538
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,564
−HK$2,055/mo
Today · 4.125%
HK$79,619
baseline
▲ 0.50% · 4.625%
HK$83,816
+HK$4,197/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,238/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,300
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,015
−HK$2,759/mo
Today · 4.125%
HK$92,774
baseline
▲ 0.50% · 4.625%
HK$98,420
+HK$5,646/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,548/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,120
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,725
−HK$2,642/mo
Today · 4.125%
HK$102,367
baseline
▲ 0.50% · 4.625%
HK$107,763
+HK$5,396/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,734/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,953 · Scale 2, in force from 26 Feb 2026)