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$48,688
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,203
−HK$1,539/mo
Today · 4.125%
HK$51,742
baseline
▲ 0.50% · 4.625%
HK$54,890
+HK$3,148/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,484/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,165
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,618
−HK$1,474/mo
Today · 4.125%
HK$57,092
baseline
▲ 0.50% · 4.625%
HK$60,101
+HK$3,009/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,184/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,426
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,244
−HK$1,846/mo
Today · 4.125%
HK$62,090
baseline
▲ 0.50% · 4.625%
HK$65,868
+HK$3,778/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,180/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,999
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,742
−HK$1,768/mo
Today · 4.125%
HK$68,510
baseline
▲ 0.50% · 4.625%
HK$72,121
+HK$3,611/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,020/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,164
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,284
−HK$2,154/mo
Today · 4.125%
HK$72,438
baseline
▲ 0.50% · 4.625%
HK$76,846
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,876/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,832
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,865
−HK$2,064/mo
Today · 4.125%
HK$79,929
baseline
▲ 0.50% · 4.625%
HK$84,142
+HK$4,213/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,858/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,639
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,365
−HK$2,770/mo
Today · 4.125%
HK$93,135
baseline
▲ 0.50% · 4.625%
HK$98,802
+HK$5,667/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,270/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,498
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,113
−HK$2,652/mo
Today · 4.125%
HK$102,765
baseline
▲ 0.50% · 4.625%
HK$108,182
+HK$5,417/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,530/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,220 · Scale 2, in force from 26 Feb 2026)