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$48,742
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,258
−HK$1,540/mo
Today · 4.125%
HK$51,798
baseline
▲ 0.50% · 4.625%
HK$54,950
+HK$3,152/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,596/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,225
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,679
−HK$1,475/mo
Today · 4.125%
HK$57,154
baseline
▲ 0.50% · 4.625%
HK$60,167
+HK$3,013/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,308/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,490
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,309
−HK$1,849/mo
Today · 4.125%
HK$62,158
baseline
▲ 0.50% · 4.625%
HK$65,940
+HK$3,782/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,316/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,070
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,815
−HK$1,770/mo
Today · 4.125%
HK$68,585
baseline
▲ 0.50% · 4.625%
HK$72,200
+HK$3,615/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,170/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,238
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,361
−HK$2,156/mo
Today · 4.125%
HK$72,517
baseline
▲ 0.50% · 4.625%
HK$76,930
+HK$4,413/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,034/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,914
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,950
−HK$2,066/mo
Today · 4.125%
HK$80,016
baseline
▲ 0.50% · 4.625%
HK$84,234
+HK$4,218/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$160,032/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,735
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,464
−HK$2,773/mo
Today · 4.125%
HK$93,237
baseline
▲ 0.50% · 4.625%
HK$98,910
+HK$5,673/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,474/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,604
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,222
−HK$2,656/mo
Today · 4.125%
HK$102,878
baseline
▲ 0.50% · 4.625%
HK$108,300
+HK$5,422/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,756/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,552 · Scale 2, in force from 26 Feb 2026)