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$48,690
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,205
−HK$1,539/mo
Today · 4.125%
HK$51,744
baseline
▲ 0.50% · 4.625%
HK$54,892
+HK$3,148/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,488/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,168
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,620
−HK$1,474/mo
Today · 4.125%
HK$57,094
baseline
▲ 0.50% · 4.625%
HK$60,104
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,188/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,429
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,246
−HK$1,846/mo
Today · 4.125%
HK$62,092
baseline
▲ 0.50% · 4.625%
HK$65,871
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,184/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,001
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,744
−HK$1,769/mo
Today · 4.125%
HK$68,513
baseline
▲ 0.50% · 4.625%
HK$72,124
+HK$3,611/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,026/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,167
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,287
−HK$2,154/mo
Today · 4.125%
HK$72,441
baseline
▲ 0.50% · 4.625%
HK$76,849
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,882/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,835
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,868
−HK$2,064/mo
Today · 4.125%
HK$79,932
baseline
▲ 0.50% · 4.625%
HK$84,145
+HK$4,213/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,864/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,643
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,369
−HK$2,770/mo
Today · 4.125%
HK$93,139
baseline
▲ 0.50% · 4.625%
HK$98,806
+HK$5,667/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,278/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,502
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,117
−HK$2,652/mo
Today · 4.125%
HK$102,769
baseline
▲ 0.50% · 4.625%
HK$108,187
+HK$5,418/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,538/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,305 · Scale 2, in force from 26 Feb 2026)