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$48,494
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,003
−HK$1,532/mo
Today · 4.125%
HK$51,535
baseline
▲ 0.50% · 4.625%
HK$54,671
+HK$3,136/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,070/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,950
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,396
−HK$1,468/mo
Today · 4.125%
HK$56,864
baseline
▲ 0.50% · 4.625%
HK$59,862
+HK$2,998/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,728/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,193
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,003
−HK$1,840/mo
Today · 4.125%
HK$61,843
baseline
▲ 0.50% · 4.625%
HK$65,606
+HK$3,763/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,686/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,739
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,476
−HK$1,761/mo
Today · 4.125%
HK$68,237
baseline
▲ 0.50% · 4.625%
HK$71,834
+HK$3,597/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,474/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,892
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,004
−HK$2,146/mo
Today · 4.125%
HK$72,150
baseline
▲ 0.50% · 4.625%
HK$76,540
+HK$4,390/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,300/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,529
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,555
−HK$2,055/mo
Today · 4.125%
HK$79,610
baseline
▲ 0.50% · 4.625%
HK$83,806
+HK$4,196/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,220/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,290
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,005
−HK$2,759/mo
Today · 4.125%
HK$92,764
baseline
▲ 0.50% · 4.625%
HK$98,408
+HK$5,644/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,528/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,109
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,714
−HK$2,642/mo
Today · 4.125%
HK$102,356
baseline
▲ 0.50% · 4.625%
HK$107,751
+HK$5,395/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,712/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,710 · Scale 2, in force from 26 Feb 2026)