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$48,731
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,247
−HK$1,540/mo
Today · 4.125%
HK$51,787
baseline
▲ 0.50% · 4.625%
HK$54,938
+HK$3,151/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,574/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,213
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,667
−HK$1,475/mo
Today · 4.125%
HK$57,142
baseline
▲ 0.50% · 4.625%
HK$60,154
+HK$3,012/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,284/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,478
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,297
−HK$1,848/mo
Today · 4.125%
HK$62,145
baseline
▲ 0.50% · 4.625%
HK$65,926
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,290/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,056
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,800
−HK$1,770/mo
Today · 4.125%
HK$68,570
baseline
▲ 0.50% · 4.625%
HK$72,185
+HK$3,615/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,140/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,224
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,346
−HK$2,156/mo
Today · 4.125%
HK$72,502
baseline
▲ 0.50% · 4.625%
HK$76,914
+HK$4,412/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,004/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,898
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,934
−HK$2,065/mo
Today · 4.125%
HK$79,999
baseline
▲ 0.50% · 4.625%
HK$84,216
+HK$4,217/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$159,998/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,716
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,445
−HK$2,772/mo
Today · 4.125%
HK$93,217
baseline
▲ 0.50% · 4.625%
HK$98,889
+HK$5,672/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,434/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,584
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,201
−HK$2,655/mo
Today · 4.125%
HK$102,856
baseline
▲ 0.50% · 4.625%
HK$108,277
+HK$5,421/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,712/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,097 · Scale 2, in force from 26 Feb 2026)