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$48,544
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,054
−HK$1,534/mo
Today · 4.125%
HK$51,588
baseline
▲ 0.50% · 4.625%
HK$54,727
+HK$3,139/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,176/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,004
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,453
−HK$1,469/mo
Today · 4.125%
HK$56,922
baseline
▲ 0.50% · 4.625%
HK$59,922
+HK$3,000/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,844/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,252
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,064
−HK$1,841/mo
Today · 4.125%
HK$61,905
baseline
▲ 0.50% · 4.625%
HK$65,672
+HK$3,767/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$123,810/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,805
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,543
−HK$1,763/mo
Today · 4.125%
HK$68,306
baseline
▲ 0.50% · 4.625%
HK$71,907
+HK$3,601/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$136,612/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,961
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,075
−HK$2,148/mo
Today · 4.125%
HK$72,223
baseline
▲ 0.50% · 4.625%
HK$76,617
+HK$4,394/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,446/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$878,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,606
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,634
−HK$2,057/mo
Today · 4.125%
HK$79,691
baseline
▲ 0.50% · 4.625%
HK$83,891
+HK$4,200/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,382/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$878,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,378
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,096
−HK$2,762/mo
Today · 4.125%
HK$92,858
baseline
▲ 0.50% · 4.625%
HK$98,508
+HK$5,650/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,716/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,208
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,815
−HK$2,645/mo
Today · 4.125%
HK$102,460
baseline
▲ 0.50% · 4.625%
HK$107,860
+HK$5,400/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,920/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,866 · Scale 2, in force from 26 Feb 2026)