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$48,681
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,195
−HK$1,538/mo
Today · 4.125%
HK$51,733
baseline
▲ 0.50% · 4.625%
HK$54,881
+HK$3,148/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,466/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,157
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,609
−HK$1,473/mo
Today · 4.125%
HK$57,082
baseline
▲ 0.50% · 4.625%
HK$60,091
+HK$3,009/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,164/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,417
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,234
−HK$1,846/mo
Today · 4.125%
HK$62,080
baseline
▲ 0.50% · 4.625%
HK$65,857
+HK$3,777/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,160/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,988
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,731
−HK$1,768/mo
Today · 4.125%
HK$68,499
baseline
▲ 0.50% · 4.625%
HK$72,110
+HK$3,611/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$136,998/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,153
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,273
−HK$2,153/mo
Today · 4.125%
HK$72,426
baseline
▲ 0.50% · 4.625%
HK$76,833
+HK$4,407/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,852/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,819
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,853
−HK$2,062/mo
Today · 4.125%
HK$79,915
baseline
▲ 0.50% · 4.625%
HK$84,128
+HK$4,213/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,830/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,625
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,351
−HK$2,769/mo
Today · 4.125%
HK$93,120
baseline
▲ 0.50% · 4.625%
HK$98,786
+HK$5,666/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,240/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,482
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,096
−HK$2,652/mo
Today · 4.125%
HK$102,748
baseline
▲ 0.50% · 4.625%
HK$108,164
+HK$5,416/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,496/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,870 · Scale 2, in force from 26 Feb 2026)