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$48,614
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,126
−HK$1,537/mo
Today · 4.125%
HK$51,663
baseline
▲ 0.50% · 4.625%
HK$54,806
+HK$3,143/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,326/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,083
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,533
−HK$1,471/mo
Today · 4.125%
HK$57,004
baseline
▲ 0.50% · 4.625%
HK$60,009
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,008/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,337
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,151
−HK$1,844/mo
Today · 4.125%
HK$61,995
baseline
▲ 0.50% · 4.625%
HK$65,767
+HK$3,772/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,990/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,899
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,640
−HK$1,765/mo
Today · 4.125%
HK$68,405
baseline
▲ 0.50% · 4.625%
HK$72,011
+HK$3,606/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,810/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,060
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,177
−HK$2,151/mo
Today · 4.125%
HK$72,328
baseline
▲ 0.50% · 4.625%
HK$76,728
+HK$4,400/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$144,656/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,716
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,746
−HK$2,060/mo
Today · 4.125%
HK$79,806
baseline
▲ 0.50% · 4.625%
HK$84,013
+HK$4,207/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$159,612/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,505
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,227
−HK$2,766/mo
Today · 4.125%
HK$92,993
baseline
▲ 0.50% · 4.625%
HK$98,651
+HK$5,658/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$185,986/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,349
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,959
−HK$2,649/mo
Today · 4.125%
HK$102,608
baseline
▲ 0.50% · 4.625%
HK$108,017
+HK$5,409/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,216/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,953 · Scale 2, in force from 26 Feb 2026)