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$48,516
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,025
−HK$1,533/mo
Today · 4.125%
HK$51,558
baseline
▲ 0.50% · 4.625%
HK$54,695
+HK$3,137/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,116/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,973
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,421
−HK$1,468/mo
Today · 4.125%
HK$56,889
baseline
▲ 0.50% · 4.625%
HK$59,888
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,778/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,219
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,030
−HK$1,839/mo
Today · 4.125%
HK$61,869
baseline
▲ 0.50% · 4.625%
HK$65,634
+HK$3,765/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,738/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,768
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,505
−HK$1,762/mo
Today · 4.125%
HK$68,267
baseline
▲ 0.50% · 4.625%
HK$71,865
+HK$3,598/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,534/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,922
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,034
−HK$2,147/mo
Today · 4.125%
HK$72,181
baseline
▲ 0.50% · 4.625%
HK$76,573
+HK$4,392/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,362/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,562
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,589
−HK$2,056/mo
Today · 4.125%
HK$79,645
baseline
▲ 0.50% · 4.625%
HK$83,843
+HK$4,198/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,290/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,328
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,044
−HK$2,760/mo
Today · 4.125%
HK$92,804
baseline
▲ 0.50% · 4.625%
HK$98,451
+HK$5,647/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,608/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,151
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,757
−HK$2,643/mo
Today · 4.125%
HK$102,400
baseline
▲ 0.50% · 4.625%
HK$107,798
+HK$5,398/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,800/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,634 · Scale 2, in force from 26 Feb 2026)