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$48,722
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,237
−HK$1,540/mo
Today · 4.125%
HK$51,777
baseline
▲ 0.50% · 4.625%
HK$54,927
+HK$3,150/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,554/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,202
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,656
−HK$1,475/mo
Today · 4.125%
HK$57,131
baseline
▲ 0.50% · 4.625%
HK$60,142
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,262/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,466
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,285
−HK$1,847/mo
Today · 4.125%
HK$62,132
baseline
▲ 0.50% · 4.625%
HK$65,913
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,264/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,043
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,787
−HK$1,770/mo
Today · 4.125%
HK$68,557
baseline
▲ 0.50% · 4.625%
HK$72,171
+HK$3,614/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,114/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,210
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,332
−HK$2,156/mo
Today · 4.125%
HK$72,488
baseline
▲ 0.50% · 4.625%
HK$76,898
+HK$4,410/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$144,976/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,883
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,918
−HK$2,065/mo
Today · 4.125%
HK$79,983
baseline
▲ 0.50% · 4.625%
HK$84,199
+HK$4,216/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$159,966/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,699
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,427
−HK$2,771/mo
Today · 4.125%
HK$93,198
baseline
▲ 0.50% · 4.625%
HK$98,869
+HK$5,671/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,396/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,564
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,181
−HK$2,654/mo
Today · 4.125%
HK$102,835
baseline
▲ 0.50% · 4.625%
HK$108,256
+HK$5,421/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,670/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,673 · Scale 2, in force from 26 Feb 2026)