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$48,516
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,026
−HK$1,533/mo
Today · 4.125%
HK$51,559
baseline
▲ 0.50% · 4.625%
HK$54,696
+HK$3,137/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,118/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,974
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,422
−HK$1,468/mo
Today · 4.125%
HK$56,890
baseline
▲ 0.50% · 4.625%
HK$59,889
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,780/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,220
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,031
−HK$1,840/mo
Today · 4.125%
HK$61,871
baseline
▲ 0.50% · 4.625%
HK$65,635
+HK$3,764/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,742/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,769
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,506
−HK$1,762/mo
Today · 4.125%
HK$68,268
baseline
▲ 0.50% · 4.625%
HK$71,867
+HK$3,599/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,536/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,923
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,036
−HK$2,146/mo
Today · 4.125%
HK$72,182
baseline
▲ 0.50% · 4.625%
HK$76,575
+HK$4,393/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,364/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,564
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,590
−HK$2,056/mo
Today · 4.125%
HK$79,646
baseline
▲ 0.50% · 4.625%
HK$83,844
+HK$4,198/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,292/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,330
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,046
−HK$2,760/mo
Today · 4.125%
HK$92,806
baseline
▲ 0.50% · 4.625%
HK$98,453
+HK$5,647/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,612/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,153
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,759
−HK$2,643/mo
Today · 4.125%
HK$102,402
baseline
▲ 0.50% · 4.625%
HK$107,800
+HK$5,398/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,804/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,676 · Scale 2, in force from 26 Feb 2026)