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$48,766
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,283
−HK$1,541/mo
Today · 4.125%
HK$51,824
baseline
▲ 0.50% · 4.625%
HK$54,978
+HK$3,154/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,648/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,252
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,707
−HK$1,476/mo
Today · 4.125%
HK$57,183
baseline
▲ 0.50% · 4.625%
HK$60,197
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,366/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,520
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,340
−HK$1,849/mo
Today · 4.125%
HK$62,189
baseline
▲ 0.50% · 4.625%
HK$65,973
+HK$3,784/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,378/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,102
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,848
−HK$1,772/mo
Today · 4.125%
HK$68,620
baseline
▲ 0.50% · 4.625%
HK$72,237
+HK$3,617/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$888,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,273
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,396
−HK$2,158/mo
Today · 4.125%
HK$72,554
baseline
▲ 0.50% · 4.625%
HK$76,969
+HK$4,415/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,108/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,953
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,990
−HK$2,066/mo
Today · 4.125%
HK$80,056
baseline
▲ 0.50% · 4.625%
HK$84,276
+HK$4,220/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,112/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,779
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,510
−HK$2,774/mo
Today · 4.125%
HK$93,284
baseline
▲ 0.50% · 4.625%
HK$98,960
+HK$5,676/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,568/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,654
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,273
−HK$2,656/mo
Today · 4.125%
HK$102,929
baseline
▲ 0.50% · 4.625%
HK$108,355
+HK$5,426/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,858/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,631 · Scale 2, in force from 26 Feb 2026)