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$48,697
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,212
−HK$1,539/mo
Today · 4.125%
HK$51,751
baseline
▲ 0.50% · 4.625%
HK$54,899
+HK$3,148/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,502/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,175
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,628
−HK$1,474/mo
Today · 4.125%
HK$57,102
baseline
▲ 0.50% · 4.625%
HK$60,112
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,204/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,436
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,254
−HK$1,847/mo
Today · 4.125%
HK$62,101
baseline
▲ 0.50% · 4.625%
HK$65,879
+HK$3,778/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,202/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,010
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,753
−HK$1,769/mo
Today · 4.125%
HK$68,522
baseline
▲ 0.50% · 4.625%
HK$72,134
+HK$3,612/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,044/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,176
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,296
−HK$2,155/mo
Today · 4.125%
HK$72,451
baseline
▲ 0.50% · 4.625%
HK$76,859
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,902/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,845
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,879
−HK$2,063/mo
Today · 4.125%
HK$79,942
baseline
▲ 0.50% · 4.625%
HK$84,156
+HK$4,214/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,884/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,654
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,381
−HK$2,770/mo
Today · 4.125%
HK$93,151
baseline
▲ 0.50% · 4.625%
HK$98,819
+HK$5,668/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,302/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,515
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,130
−HK$2,653/mo
Today · 4.125%
HK$102,783
baseline
▲ 0.50% · 4.625%
HK$108,201
+HK$5,418/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,566/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,588 · Scale 2, in force from 26 Feb 2026)