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$48,732
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,248
−HK$1,540/mo
Today · 4.125%
HK$51,788
baseline
▲ 0.50% · 4.625%
HK$54,939
+HK$3,151/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,576/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,214
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,668
−HK$1,475/mo
Today · 4.125%
HK$57,143
baseline
▲ 0.50% · 4.625%
HK$60,155
+HK$3,012/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,286/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,479
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,298
−HK$1,848/mo
Today · 4.125%
HK$62,146
baseline
▲ 0.50% · 4.625%
HK$65,927
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,292/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,057
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,802
−HK$1,770/mo
Today · 4.125%
HK$68,572
baseline
▲ 0.50% · 4.625%
HK$72,186
+HK$3,614/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,144/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,225
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,347
−HK$2,157/mo
Today · 4.125%
HK$72,504
baseline
▲ 0.50% · 4.625%
HK$76,915
+HK$4,411/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,008/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,900
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,936
−HK$2,065/mo
Today · 4.125%
HK$80,001
baseline
▲ 0.50% · 4.625%
HK$84,218
+HK$4,217/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$160,002/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,718
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,447
−HK$2,772/mo
Today · 4.125%
HK$93,219
baseline
▲ 0.50% · 4.625%
HK$98,891
+HK$5,672/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,438/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,586
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,203
−HK$2,655/mo
Today · 4.125%
HK$102,858
baseline
▲ 0.50% · 4.625%
HK$108,280
+HK$5,422/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,716/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,143 · Scale 2, in force from 26 Feb 2026)