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$48,752
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,268
−HK$1,541/mo
Today · 4.125%
HK$51,809
baseline
▲ 0.50% · 4.625%
HK$54,961
+HK$3,152/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,618/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,236
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,691
−HK$1,475/mo
Today · 4.125%
HK$57,166
baseline
▲ 0.50% · 4.625%
HK$60,179
+HK$3,013/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,332/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,502
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,322
−HK$1,849/mo
Today · 4.125%
HK$62,171
baseline
▲ 0.50% · 4.625%
HK$65,954
+HK$3,783/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,342/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,083
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,829
−HK$1,770/mo
Today · 4.125%
HK$68,599
baseline
▲ 0.50% · 4.625%
HK$72,215
+HK$3,616/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,198/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,253
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,376
−HK$2,157/mo
Today · 4.125%
HK$72,533
baseline
▲ 0.50% · 4.625%
HK$76,946
+HK$4,413/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$145,066/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,930
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,967
−HK$2,066/mo
Today · 4.125%
HK$80,033
baseline
▲ 0.50% · 4.625%
HK$84,251
+HK$4,218/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$160,066/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,753
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,483
−HK$2,773/mo
Today · 4.125%
HK$93,256
baseline
▲ 0.50% · 4.625%
HK$98,931
+HK$5,675/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,512/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,625
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,243
−HK$2,656/mo
Today · 4.125%
HK$102,899
baseline
▲ 0.50% · 4.625%
HK$108,323
+HK$5,424/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,798/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,999 · Scale 2, in force from 26 Feb 2026)