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$48,544
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,054
−HK$1,534/mo
Today · 4.125%
HK$51,588
baseline
▲ 0.50% · 4.625%
HK$54,728
+HK$3,140/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,176/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,005
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,453
−HK$1,470/mo
Today · 4.125%
HK$56,923
baseline
▲ 0.50% · 4.625%
HK$59,923
+HK$3,000/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,846/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,253
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,065
−HK$1,841/mo
Today · 4.125%
HK$61,906
baseline
▲ 0.50% · 4.625%
HK$65,673
+HK$3,767/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$123,812/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,806
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,544
−HK$1,763/mo
Today · 4.125%
HK$68,307
baseline
▲ 0.50% · 4.625%
HK$71,908
+HK$3,601/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$136,614/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,962
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,076
−HK$2,148/mo
Today · 4.125%
HK$72,224
baseline
▲ 0.50% · 4.625%
HK$76,619
+HK$4,395/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,448/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$878,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,607
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,635
−HK$2,057/mo
Today · 4.125%
HK$79,692
baseline
▲ 0.50% · 4.625%
HK$83,893
+HK$4,201/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,384/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$878,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,380
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,098
−HK$2,761/mo
Today · 4.125%
HK$92,859
baseline
▲ 0.50% · 4.625%
HK$98,510
+HK$5,651/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,718/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,209
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,816
−HK$2,645/mo
Today · 4.125%
HK$102,461
baseline
▲ 0.50% · 4.625%
HK$107,862
+HK$5,401/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,922/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,898 · Scale 2, in force from 26 Feb 2026)