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$48,829
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,348
−HK$1,543/mo
Today · 4.125%
HK$51,891
baseline
▲ 0.50% · 4.625%
HK$55,049
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,782/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,322
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,779
−HK$1,478/mo
Today · 4.125%
HK$57,257
baseline
▲ 0.50% · 4.625%
HK$60,275
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,514/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,595
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,418
−HK$1,851/mo
Today · 4.125%
HK$62,269
baseline
▲ 0.50% · 4.625%
HK$66,058
+HK$3,789/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,538/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,186
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,935
−HK$1,773/mo
Today · 4.125%
HK$68,708
baseline
▲ 0.50% · 4.625%
HK$72,330
+HK$3,622/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,416/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,361
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,487
−HK$2,161/mo
Today · 4.125%
HK$72,648
baseline
▲ 0.50% · 4.625%
HK$77,068
+HK$4,420/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,296/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,051
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,090
−HK$2,069/mo
Today · 4.125%
HK$80,159
baseline
▲ 0.50% · 4.625%
HK$84,385
+HK$4,226/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,318/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,892
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,626
−HK$2,778/mo
Today · 4.125%
HK$93,404
baseline
▲ 0.50% · 4.625%
HK$99,087
+HK$5,683/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,808/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,779
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,402
−HK$2,660/mo
Today · 4.125%
HK$103,062
baseline
▲ 0.50% · 4.625%
HK$108,495
+HK$5,433/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,124/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,388 · Scale 2, in force from 26 Feb 2026)