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$48,599
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,111
−HK$1,536/mo
Today · 4.125%
HK$51,647
baseline
▲ 0.50% · 4.625%
HK$54,789
+HK$3,142/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,294/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,066
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,516
−HK$1,471/mo
Today · 4.125%
HK$56,987
baseline
▲ 0.50% · 4.625%
HK$59,991
+HK$3,004/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$113,974/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,319
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,133
−HK$1,843/mo
Today · 4.125%
HK$61,976
baseline
▲ 0.50% · 4.625%
HK$65,747
+HK$3,771/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,952/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,879
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,619
−HK$1,766/mo
Today · 4.125%
HK$68,385
baseline
▲ 0.50% · 4.625%
HK$71,989
+HK$3,604/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,770/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,039
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,155
−HK$2,150/mo
Today · 4.125%
HK$72,305
baseline
▲ 0.50% · 4.625%
HK$76,705
+HK$4,400/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$144,610/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,693
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,723
−HK$2,059/mo
Today · 4.125%
HK$79,782
baseline
▲ 0.50% · 4.625%
HK$83,987
+HK$4,205/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$159,564/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,479
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,200
−HK$2,764/mo
Today · 4.125%
HK$92,964
baseline
▲ 0.50% · 4.625%
HK$98,621
+HK$5,657/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$185,928/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,319
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,929
−HK$2,648/mo
Today · 4.125%
HK$102,577
baseline
▲ 0.50% · 4.625%
HK$107,984
+HK$5,407/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$205,154/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,303 · Scale 2, in force from 26 Feb 2026)