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$48,650
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,164
−HK$1,537/mo
Today · 4.125%
HK$51,701
baseline
▲ 0.50% · 4.625%
HK$54,847
+HK$3,146/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,402/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,123
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,575
−HK$1,472/mo
Today · 4.125%
HK$57,047
baseline
▲ 0.50% · 4.625%
HK$60,054
+HK$3,007/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,094/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,381
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,197
−HK$1,845/mo
Today · 4.125%
HK$62,042
baseline
▲ 0.50% · 4.625%
HK$65,817
+HK$3,775/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,084/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,948
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,690
−HK$1,767/mo
Today · 4.125%
HK$68,457
baseline
▲ 0.50% · 4.625%
HK$72,065
+HK$3,608/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,914/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,111
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,229
−HK$2,153/mo
Today · 4.125%
HK$72,382
baseline
▲ 0.50% · 4.625%
HK$76,786
+HK$4,404/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,764/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,772
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,805
−HK$2,061/mo
Today · 4.125%
HK$79,866
baseline
▲ 0.50% · 4.625%
HK$84,076
+HK$4,210/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,732/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,571
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,295
−HK$2,767/mo
Today · 4.125%
HK$93,062
baseline
▲ 0.50% · 4.625%
HK$98,725
+HK$5,663/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,124/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,422
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,034
−HK$2,651/mo
Today · 4.125%
HK$102,685
baseline
▲ 0.50% · 4.625%
HK$108,098
+HK$5,413/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,370/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,553 · Scale 2, in force from 26 Feb 2026)