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$48,771
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,288
−HK$1,541/mo
Today · 4.125%
HK$51,829
baseline
▲ 0.50% · 4.625%
HK$54,983
+HK$3,154/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,658/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,257
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,712
−HK$1,476/mo
Today · 4.125%
HK$57,188
baseline
▲ 0.50% · 4.625%
HK$60,203
+HK$3,015/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,376/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,525
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,345
−HK$1,850/mo
Today · 4.125%
HK$62,195
baseline
▲ 0.50% · 4.625%
HK$65,979
+HK$3,784/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$124,390/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,108
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,855
−HK$1,771/mo
Today · 4.125%
HK$68,626
baseline
▲ 0.50% · 4.625%
HK$72,243
+HK$3,617/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$137,252/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,279
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,403
−HK$2,158/mo
Today · 4.125%
HK$72,561
baseline
▲ 0.50% · 4.625%
HK$76,976
+HK$4,415/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,122/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$888,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,960
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,997
−HK$2,067/mo
Today · 4.125%
HK$80,064
baseline
▲ 0.50% · 4.625%
HK$84,284
+HK$4,220/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,128/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$888,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,787
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,518
−HK$2,775/mo
Today · 4.125%
HK$93,293
baseline
▲ 0.50% · 4.625%
HK$98,969
+HK$5,676/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,586/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,663
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,282
−HK$2,657/mo
Today · 4.125%
HK$102,939
baseline
▲ 0.50% · 4.625%
HK$108,365
+HK$5,426/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,878/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,831 · Scale 2, in force from 26 Feb 2026)