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$48,772
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,289
−HK$1,542/mo
Today · 4.125%
HK$51,831
baseline
▲ 0.50% · 4.625%
HK$54,984
+HK$3,153/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,662/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,259
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,714
−HK$1,476/mo
Today · 4.125%
HK$57,190
baseline
▲ 0.50% · 4.625%
HK$60,205
+HK$3,015/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,380/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,527
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,347
−HK$1,850/mo
Today · 4.125%
HK$62,197
baseline
▲ 0.50% · 4.625%
HK$65,981
+HK$3,784/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$124,394/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,110
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,856
−HK$1,772/mo
Today · 4.125%
HK$68,628
baseline
▲ 0.50% · 4.625%
HK$72,245
+HK$3,617/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$137,256/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,281
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,405
−HK$2,158/mo
Today · 4.125%
HK$72,563
baseline
▲ 0.50% · 4.625%
HK$76,978
+HK$4,415/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,126/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$888,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,962
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,999
−HK$2,067/mo
Today · 4.125%
HK$80,066
baseline
▲ 0.50% · 4.625%
HK$84,286
+HK$4,220/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,132/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$888,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,790
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,521
−HK$2,774/mo
Today · 4.125%
HK$93,295
baseline
▲ 0.50% · 4.625%
HK$98,972
+HK$5,677/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,590/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,665
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,285
−HK$2,657/mo
Today · 4.125%
HK$102,942
baseline
▲ 0.50% · 4.625%
HK$108,368
+HK$5,426/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,884/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,890 · Scale 2, in force from 26 Feb 2026)