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$48,767
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,284
−HK$1,541/mo
Today · 4.125%
HK$51,825
baseline
▲ 0.50% · 4.625%
HK$54,978
+HK$3,153/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,650/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,253
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,708
−HK$1,476/mo
Today · 4.125%
HK$57,184
baseline
▲ 0.50% · 4.625%
HK$60,198
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,368/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,520
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,340
−HK$1,850/mo
Today · 4.125%
HK$62,190
baseline
▲ 0.50% · 4.625%
HK$65,974
+HK$3,784/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,380/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,103
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,849
−HK$1,771/mo
Today · 4.125%
HK$68,620
baseline
▲ 0.50% · 4.625%
HK$72,238
+HK$3,618/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,240/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,274
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,397
−HK$2,158/mo
Today · 4.125%
HK$72,555
baseline
▲ 0.50% · 4.625%
HK$76,970
+HK$4,415/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,110/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,954
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,991
−HK$2,066/mo
Today · 4.125%
HK$80,057
baseline
▲ 0.50% · 4.625%
HK$84,277
+HK$4,220/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,114/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,780
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,511
−HK$2,774/mo
Today · 4.125%
HK$93,285
baseline
▲ 0.50% · 4.625%
HK$98,961
+HK$5,676/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,570/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,655
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,274
−HK$2,657/mo
Today · 4.125%
HK$102,931
baseline
▲ 0.50% · 4.625%
HK$108,356
+HK$5,425/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,862/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,656 · Scale 2, in force from 26 Feb 2026)