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$48,699
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,214
−HK$1,539/mo
Today · 4.125%
HK$51,753
baseline
▲ 0.50% · 4.625%
HK$54,902
+HK$3,149/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,506/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,177
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,630
−HK$1,474/mo
Today · 4.125%
HK$57,104
baseline
▲ 0.50% · 4.625%
HK$60,114
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,208/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,439
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,257
−HK$1,846/mo
Today · 4.125%
HK$62,103
baseline
▲ 0.50% · 4.625%
HK$65,882
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,206/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,013
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,756
−HK$1,769/mo
Today · 4.125%
HK$68,525
baseline
▲ 0.50% · 4.625%
HK$72,137
+HK$3,612/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,050/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,179
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,299
−HK$2,155/mo
Today · 4.125%
HK$72,454
baseline
▲ 0.50% · 4.625%
HK$76,863
+HK$4,409/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,908/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,848
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,882
−HK$2,064/mo
Today · 4.125%
HK$79,946
baseline
▲ 0.50% · 4.625%
HK$84,160
+HK$4,214/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,892/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,658
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,385
−HK$2,770/mo
Today · 4.125%
HK$93,155
baseline
▲ 0.50% · 4.625%
HK$98,823
+HK$5,668/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,310/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,519
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,134
−HK$2,654/mo
Today · 4.125%
HK$102,788
baseline
▲ 0.50% · 4.625%
HK$108,206
+HK$5,418/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,576/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,681 · Scale 2, in force from 26 Feb 2026)