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$48,510
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,019
−HK$1,534/mo
Today · 4.125%
HK$51,553
baseline
▲ 0.50% · 4.625%
HK$54,689
+HK$3,136/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,106/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$877,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,967
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,415
−HK$1,468/mo
Today · 4.125%
HK$56,883
baseline
▲ 0.50% · 4.625%
HK$59,882
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,766/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$877,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,213
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,023
−HK$1,840/mo
Today · 4.125%
HK$61,863
baseline
▲ 0.50% · 4.625%
HK$65,627
+HK$3,764/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,726/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,761
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,498
−HK$1,762/mo
Today · 4.125%
HK$68,260
baseline
▲ 0.50% · 4.625%
HK$71,858
+HK$3,598/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,520/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,915
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,027
−HK$2,147/mo
Today · 4.125%
HK$72,174
baseline
▲ 0.50% · 4.625%
HK$76,565
+HK$4,391/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,348/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,554
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,581
−HK$2,055/mo
Today · 4.125%
HK$79,636
baseline
▲ 0.50% · 4.625%
HK$83,834
+HK$4,198/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,272/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,319
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,035
−HK$2,760/mo
Today · 4.125%
HK$92,795
baseline
▲ 0.50% · 4.625%
HK$98,441
+HK$5,646/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,590/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$877,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,141
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,747
−HK$2,643/mo
Today · 4.125%
HK$102,390
baseline
▲ 0.50% · 4.625%
HK$107,787
+HK$5,397/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,780/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$877,414 · Scale 2, in force from 26 Feb 2026)