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$48,623
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,135
−HK$1,537/mo
Today · 4.125%
HK$51,672
baseline
▲ 0.50% · 4.625%
HK$54,816
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,344/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,092
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,543
−HK$1,471/mo
Today · 4.125%
HK$57,014
baseline
▲ 0.50% · 4.625%
HK$60,020
+HK$3,006/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,028/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,347
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,162
−HK$1,844/mo
Today · 4.125%
HK$62,006
baseline
▲ 0.50% · 4.625%
HK$65,779
+HK$3,773/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$124,012/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,910
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,651
−HK$1,766/mo
Today · 4.125%
HK$68,417
baseline
▲ 0.50% · 4.625%
HK$72,024
+HK$3,607/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,834/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,072
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,189
−HK$2,151/mo
Today · 4.125%
HK$72,340
baseline
▲ 0.50% · 4.625%
HK$76,742
+HK$4,402/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,680/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,729
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,760
−HK$2,060/mo
Today · 4.125%
HK$79,820
baseline
▲ 0.50% · 4.625%
HK$84,028
+HK$4,208/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,640/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,521
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,243
−HK$2,766/mo
Today · 4.125%
HK$93,009
baseline
▲ 0.50% · 4.625%
HK$98,668
+HK$5,659/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,018/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,366
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,977
−HK$2,649/mo
Today · 4.125%
HK$102,626
baseline
▲ 0.50% · 4.625%
HK$108,036
+HK$5,410/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,252/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,327 · Scale 2, in force from 26 Feb 2026)