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$48,759
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,276
−HK$1,541/mo
Today · 4.125%
HK$51,817
baseline
▲ 0.50% · 4.625%
HK$54,970
+HK$3,153/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,634/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,244
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,699
−HK$1,476/mo
Today · 4.125%
HK$57,175
baseline
▲ 0.50% · 4.625%
HK$60,189
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,350/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,511
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,331
−HK$1,849/mo
Today · 4.125%
HK$62,180
baseline
▲ 0.50% · 4.625%
HK$65,964
+HK$3,784/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,360/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,093
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,839
−HK$1,771/mo
Today · 4.125%
HK$68,610
baseline
▲ 0.50% · 4.625%
HK$72,227
+HK$3,617/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,220/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,263
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,387
−HK$2,157/mo
Today · 4.125%
HK$72,544
baseline
▲ 0.50% · 4.625%
HK$76,958
+HK$4,414/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$145,088/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,942
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,979
−HK$2,066/mo
Today · 4.125%
HK$80,045
baseline
▲ 0.50% · 4.625%
HK$84,264
+HK$4,219/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$160,090/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,767
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,497
−HK$2,774/mo
Today · 4.125%
HK$93,271
baseline
▲ 0.50% · 4.625%
HK$98,946
+HK$5,675/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,542/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,640
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,258
−HK$2,657/mo
Today · 4.125%
HK$102,915
baseline
▲ 0.50% · 4.625%
HK$108,340
+HK$5,425/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,830/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,330 · Scale 2, in force from 26 Feb 2026)