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$48,774
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,291
−HK$1,542/mo
Today · 4.125%
HK$51,833
baseline
▲ 0.50% · 4.625%
HK$54,987
+HK$3,154/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,666/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,261
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,716
−HK$1,476/mo
Today · 4.125%
HK$57,192
baseline
▲ 0.50% · 4.625%
HK$60,207
+HK$3,015/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,384/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,529
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,350
−HK$1,849/mo
Today · 4.125%
HK$62,199
baseline
▲ 0.50% · 4.625%
HK$65,984
+HK$3,785/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$124,398/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,113
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,859
−HK$1,772/mo
Today · 4.125%
HK$68,631
baseline
▲ 0.50% · 4.625%
HK$72,248
+HK$3,617/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$137,262/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,284
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,408
−HK$2,158/mo
Today · 4.125%
HK$72,566
baseline
▲ 0.50% · 4.625%
HK$76,981
+HK$4,415/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,132/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$888,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,965
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,003
−HK$2,066/mo
Today · 4.125%
HK$80,069
baseline
▲ 0.50% · 4.625%
HK$84,290
+HK$4,221/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,138/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$888,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,794
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,524
−HK$2,775/mo
Today · 4.125%
HK$93,299
baseline
▲ 0.50% · 4.625%
HK$98,976
+HK$5,677/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,598/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,670
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,289
−HK$2,657/mo
Today · 4.125%
HK$102,946
baseline
▲ 0.50% · 4.625%
HK$108,373
+HK$5,427/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,892/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,980 · Scale 2, in force from 26 Feb 2026)