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$48,717
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,233
−HK$1,539/mo
Today · 4.125%
HK$51,772
baseline
▲ 0.50% · 4.625%
HK$54,923
+HK$3,151/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,544/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,197
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,651
−HK$1,475/mo
Today · 4.125%
HK$57,126
baseline
▲ 0.50% · 4.625%
HK$60,137
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,252/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,461
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,279
−HK$1,848/mo
Today · 4.125%
HK$62,127
baseline
▲ 0.50% · 4.625%
HK$65,907
+HK$3,780/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,254/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,037
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,781
−HK$1,770/mo
Today · 4.125%
HK$68,551
baseline
▲ 0.50% · 4.625%
HK$72,164
+HK$3,613/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,102/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,204
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,326
−HK$2,155/mo
Today · 4.125%
HK$72,481
baseline
▲ 0.50% · 4.625%
HK$76,892
+HK$4,411/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$144,962/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,876
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,911
−HK$2,065/mo
Today · 4.125%
HK$79,976
baseline
▲ 0.50% · 4.625%
HK$84,191
+HK$4,215/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$159,952/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,691
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,419
−HK$2,771/mo
Today · 4.125%
HK$93,190
baseline
▲ 0.50% · 4.625%
HK$98,861
+HK$5,671/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,380/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,555
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,172
−HK$2,654/mo
Today · 4.125%
HK$102,826
baseline
▲ 0.50% · 4.625%
HK$108,246
+HK$5,420/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,652/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,483 · Scale 2, in force from 26 Feb 2026)