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$48,670
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,184
−HK$1,538/mo
Today · 4.125%
HK$51,722
baseline
▲ 0.50% · 4.625%
HK$54,869
+HK$3,147/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,444/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,145
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,597
−HK$1,473/mo
Today · 4.125%
HK$57,070
baseline
▲ 0.50% · 4.625%
HK$60,079
+HK$3,009/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,140/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,404
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,221
−HK$1,846/mo
Today · 4.125%
HK$62,067
baseline
▲ 0.50% · 4.625%
HK$65,843
+HK$3,776/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,134/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,974
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,717
−HK$1,768/mo
Today · 4.125%
HK$68,485
baseline
▲ 0.50% · 4.625%
HK$72,094
+HK$3,609/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$136,970/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,138
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,258
−HK$2,153/mo
Today · 4.125%
HK$72,411
baseline
▲ 0.50% · 4.625%
HK$76,817
+HK$4,406/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,822/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,803
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,836
−HK$2,063/mo
Today · 4.125%
HK$79,899
baseline
▲ 0.50% · 4.625%
HK$84,110
+HK$4,211/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,798/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,606
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,331
−HK$2,769/mo
Today · 4.125%
HK$93,100
baseline
▲ 0.50% · 4.625%
HK$98,765
+HK$5,665/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,200/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,461
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,075
−HK$2,652/mo
Today · 4.125%
HK$102,727
baseline
▲ 0.50% · 4.625%
HK$108,142
+HK$5,415/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,454/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,420 · Scale 2, in force from 26 Feb 2026)