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$48,645
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,158
−HK$1,537/mo
Today · 4.125%
HK$51,695
baseline
▲ 0.50% · 4.625%
HK$54,840
+HK$3,145/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,390/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,117
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,568
−HK$1,472/mo
Today · 4.125%
HK$57,040
baseline
▲ 0.50% · 4.625%
HK$60,047
+HK$3,007/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,080/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,373
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,189
−HK$1,845/mo
Today · 4.125%
HK$62,034
baseline
▲ 0.50% · 4.625%
HK$65,809
+HK$3,775/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,068/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,940
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,681
−HK$1,767/mo
Today · 4.125%
HK$68,448
baseline
▲ 0.50% · 4.625%
HK$72,056
+HK$3,608/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,896/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,102
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,221
−HK$2,152/mo
Today · 4.125%
HK$72,373
baseline
▲ 0.50% · 4.625%
HK$76,777
+HK$4,404/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,746/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,763
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,795
−HK$2,061/mo
Today · 4.125%
HK$79,856
baseline
▲ 0.50% · 4.625%
HK$84,066
+HK$4,210/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,712/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,560
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,284
−HK$2,767/mo
Today · 4.125%
HK$93,051
baseline
▲ 0.50% · 4.625%
HK$98,713
+HK$5,662/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,102/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,410
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,022
−HK$2,651/mo
Today · 4.125%
HK$102,673
baseline
▲ 0.50% · 4.625%
HK$108,085
+HK$5,412/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,346/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,292 · Scale 2, in force from 26 Feb 2026)