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$48,769
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,286
−HK$1,541/mo
Today · 4.125%
HK$51,827
baseline
▲ 0.50% · 4.625%
HK$54,981
+HK$3,154/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,654/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,255
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,710
−HK$1,477/mo
Today · 4.125%
HK$57,187
baseline
▲ 0.50% · 4.625%
HK$60,201
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,374/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,523
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,343
−HK$1,850/mo
Today · 4.125%
HK$62,193
baseline
▲ 0.50% · 4.625%
HK$65,977
+HK$3,784/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$124,386/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,106
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,852
−HK$1,772/mo
Today · 4.125%
HK$68,624
baseline
▲ 0.50% · 4.625%
HK$72,241
+HK$3,617/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$137,248/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,277
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,401
−HK$2,157/mo
Today · 4.125%
HK$72,558
baseline
▲ 0.50% · 4.625%
HK$76,973
+HK$4,415/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,116/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$888,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,957
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,995
−HK$2,066/mo
Today · 4.125%
HK$80,061
baseline
▲ 0.50% · 4.625%
HK$84,281
+HK$4,220/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,122/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$888,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,785
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,515
−HK$2,774/mo
Today · 4.125%
HK$93,289
baseline
▲ 0.50% · 4.625%
HK$98,966
+HK$5,677/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,578/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,659
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,279
−HK$2,657/mo
Today · 4.125%
HK$102,936
baseline
▲ 0.50% · 4.625%
HK$108,362
+HK$5,426/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,872/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,761 · Scale 2, in force from 26 Feb 2026)