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$48,600
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,111
−HK$1,536/mo
Today · 4.125%
HK$51,647
baseline
▲ 0.50% · 4.625%
HK$54,790
+HK$3,143/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,294/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,067
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,517
−HK$1,471/mo
Today · 4.125%
HK$56,988
baseline
▲ 0.50% · 4.625%
HK$59,992
+HK$3,004/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$113,976/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,320
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,134
−HK$1,843/mo
Today · 4.125%
HK$61,977
baseline
▲ 0.50% · 4.625%
HK$65,748
+HK$3,771/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,954/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,880
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,620
−HK$1,765/mo
Today · 4.125%
HK$68,385
baseline
▲ 0.50% · 4.625%
HK$71,990
+HK$3,605/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,770/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,040
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,156
−HK$2,150/mo
Today · 4.125%
HK$72,306
baseline
▲ 0.50% · 4.625%
HK$76,706
+HK$4,400/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$144,612/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,693
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,723
−HK$2,060/mo
Today · 4.125%
HK$79,783
baseline
▲ 0.50% · 4.625%
HK$83,988
+HK$4,205/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$159,566/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,479
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,201
−HK$2,764/mo
Today · 4.125%
HK$92,965
baseline
▲ 0.50% · 4.625%
HK$98,622
+HK$5,657/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$185,930/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,320
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,930
−HK$2,648/mo
Today · 4.125%
HK$102,578
baseline
▲ 0.50% · 4.625%
HK$107,985
+HK$5,407/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$205,156/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,327 · Scale 2, in force from 26 Feb 2026)