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$48,700
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,214
−HK$1,540/mo
Today · 4.125%
HK$51,754
baseline
▲ 0.50% · 4.625%
HK$54,903
+HK$3,149/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,508/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,178
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,631
−HK$1,474/mo
Today · 4.125%
HK$57,105
baseline
▲ 0.50% · 4.625%
HK$60,115
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,210/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,440
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,257
−HK$1,847/mo
Today · 4.125%
HK$62,104
baseline
▲ 0.50% · 4.625%
HK$65,883
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,208/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,013
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,757
−HK$1,769/mo
Today · 4.125%
HK$68,526
baseline
▲ 0.50% · 4.625%
HK$72,138
+HK$3,612/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,052/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,180
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,300
−HK$2,155/mo
Today · 4.125%
HK$72,455
baseline
▲ 0.50% · 4.625%
HK$76,864
+HK$4,409/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,910/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,849
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,883
−HK$2,064/mo
Today · 4.125%
HK$79,947
baseline
▲ 0.50% · 4.625%
HK$84,161
+HK$4,214/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,894/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,659
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,386
−HK$2,770/mo
Today · 4.125%
HK$93,156
baseline
▲ 0.50% · 4.625%
HK$98,825
+HK$5,669/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,312/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,520
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,136
−HK$2,653/mo
Today · 4.125%
HK$102,789
baseline
▲ 0.50% · 4.625%
HK$108,207
+HK$5,418/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,578/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,710 · Scale 2, in force from 26 Feb 2026)