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$48,753
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,269
−HK$1,541/mo
Today · 4.125%
HK$51,810
baseline
▲ 0.50% · 4.625%
HK$54,963
+HK$3,153/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,620/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,237
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,692
−HK$1,475/mo
Today · 4.125%
HK$57,167
baseline
▲ 0.50% · 4.625%
HK$60,181
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,334/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,504
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,323
−HK$1,849/mo
Today · 4.125%
HK$62,172
baseline
▲ 0.50% · 4.625%
HK$65,955
+HK$3,783/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,344/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,085
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,830
−HK$1,771/mo
Today · 4.125%
HK$68,601
baseline
▲ 0.50% · 4.625%
HK$72,217
+HK$3,616/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,202/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,254
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,377
−HK$2,157/mo
Today · 4.125%
HK$72,534
baseline
▲ 0.50% · 4.625%
HK$76,948
+HK$4,414/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$145,068/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,932
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,969
−HK$2,065/mo
Today · 4.125%
HK$80,034
baseline
▲ 0.50% · 4.625%
HK$84,253
+HK$4,219/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$160,068/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,755
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,485
−HK$2,773/mo
Today · 4.125%
HK$93,258
baseline
▲ 0.50% · 4.625%
HK$98,933
+HK$5,675/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,516/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,627
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,245
−HK$2,656/mo
Today · 4.125%
HK$102,901
baseline
▲ 0.50% · 4.625%
HK$108,326
+HK$5,425/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,802/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,048 · Scale 2, in force from 26 Feb 2026)