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$48,734
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,249
−HK$1,541/mo
Today · 4.125%
HK$51,790
baseline
▲ 0.50% · 4.625%
HK$54,941
+HK$3,151/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,580/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,216
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,670
−HK$1,475/mo
Today · 4.125%
HK$57,145
baseline
▲ 0.50% · 4.625%
HK$60,157
+HK$3,012/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,290/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,480
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,299
−HK$1,849/mo
Today · 4.125%
HK$62,148
baseline
▲ 0.50% · 4.625%
HK$65,929
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,296/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,059
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,804
−HK$1,770/mo
Today · 4.125%
HK$68,574
baseline
▲ 0.50% · 4.625%
HK$72,188
+HK$3,614/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,148/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,227
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,349
−HK$2,156/mo
Today · 4.125%
HK$72,505
baseline
▲ 0.50% · 4.625%
HK$76,917
+HK$4,412/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,010/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,902
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,938
−HK$2,065/mo
Today · 4.125%
HK$80,003
baseline
▲ 0.50% · 4.625%
HK$84,220
+HK$4,217/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$160,006/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,720
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,449
−HK$2,772/mo
Today · 4.125%
HK$93,221
baseline
▲ 0.50% · 4.625%
HK$98,894
+HK$5,673/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,442/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,588
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,205
−HK$2,656/mo
Today · 4.125%
HK$102,861
baseline
▲ 0.50% · 4.625%
HK$108,282
+HK$5,421/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,722/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,198 · Scale 2, in force from 26 Feb 2026)