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$48,648
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,161
−HK$1,537/mo
Today · 4.125%
HK$51,698
baseline
▲ 0.50% · 4.625%
HK$54,844
+HK$3,146/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,396/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,120
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,572
−HK$1,472/mo
Today · 4.125%
HK$57,044
baseline
▲ 0.50% · 4.625%
HK$60,051
+HK$3,007/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,088/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,377
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,193
−HK$1,845/mo
Today · 4.125%
HK$62,038
baseline
▲ 0.50% · 4.625%
HK$65,813
+HK$3,775/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,076/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,944
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,686
−HK$1,767/mo
Today · 4.125%
HK$68,453
baseline
▲ 0.50% · 4.625%
HK$72,061
+HK$3,608/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,906/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,107
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,225
−HK$2,153/mo
Today · 4.125%
HK$72,378
baseline
▲ 0.50% · 4.625%
HK$76,782
+HK$4,404/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,756/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,768
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,800
−HK$2,062/mo
Today · 4.125%
HK$79,862
baseline
▲ 0.50% · 4.625%
HK$84,071
+HK$4,209/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,724/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,566
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,290
−HK$2,767/mo
Today · 4.125%
HK$93,057
baseline
▲ 0.50% · 4.625%
HK$98,719
+HK$5,662/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,114/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,416
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,029
−HK$2,650/mo
Today · 4.125%
HK$102,679
baseline
▲ 0.50% · 4.625%
HK$108,092
+HK$5,413/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,358/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,433 · Scale 2, in force from 26 Feb 2026)