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$48,740
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,256
−HK$1,541/mo
Today · 4.125%
HK$51,797
baseline
▲ 0.50% · 4.625%
HK$54,948
+HK$3,151/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,594/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,223
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,677
−HK$1,475/mo
Today · 4.125%
HK$57,152
baseline
▲ 0.50% · 4.625%
HK$60,165
+HK$3,013/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,304/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,488
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,308
−HK$1,848/mo
Today · 4.125%
HK$62,156
baseline
▲ 0.50% · 4.625%
HK$65,938
+HK$3,782/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,312/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,068
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,813
−HK$1,770/mo
Today · 4.125%
HK$68,583
baseline
▲ 0.50% · 4.625%
HK$72,198
+HK$3,615/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,166/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,236
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,359
−HK$2,156/mo
Today · 4.125%
HK$72,515
baseline
▲ 0.50% · 4.625%
HK$76,928
+HK$4,413/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,030/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,912
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,948
−HK$2,065/mo
Today · 4.125%
HK$80,013
baseline
▲ 0.50% · 4.625%
HK$84,231
+HK$4,218/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$160,026/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,732
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,461
−HK$2,773/mo
Today · 4.125%
HK$93,234
baseline
▲ 0.50% · 4.625%
HK$98,907
+HK$5,673/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,468/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,601
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,219
−HK$2,655/mo
Today · 4.125%
HK$102,874
baseline
▲ 0.50% · 4.625%
HK$108,297
+HK$5,423/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,748/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,487 · Scale 2, in force from 26 Feb 2026)