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$48,748
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,265
−HK$1,540/mo
Today · 4.125%
HK$51,805
baseline
▲ 0.50% · 4.625%
HK$54,957
+HK$3,152/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,610/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,232
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,686
−HK$1,476/mo
Today · 4.125%
HK$57,162
baseline
▲ 0.50% · 4.625%
HK$60,175
+HK$3,013/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,324/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,498
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,317
−HK$1,849/mo
Today · 4.125%
HK$62,166
baseline
▲ 0.50% · 4.625%
HK$65,949
+HK$3,783/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,332/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,078
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,824
−HK$1,770/mo
Today · 4.125%
HK$68,594
baseline
▲ 0.50% · 4.625%
HK$72,210
+HK$3,616/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,188/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,248
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,370
−HK$2,157/mo
Today · 4.125%
HK$72,527
baseline
▲ 0.50% · 4.625%
HK$76,940
+HK$4,413/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,054/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,925
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,961
−HK$2,066/mo
Today · 4.125%
HK$80,027
baseline
▲ 0.50% · 4.625%
HK$84,245
+HK$4,218/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$160,054/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,747
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,476
−HK$2,773/mo
Today · 4.125%
HK$93,249
baseline
▲ 0.50% · 4.625%
HK$98,923
+HK$5,674/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,498/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,617
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,235
−HK$2,656/mo
Today · 4.125%
HK$102,891
baseline
▲ 0.50% · 4.625%
HK$108,315
+HK$5,424/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,782/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,840 · Scale 2, in force from 26 Feb 2026)