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$48,760
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,277
−HK$1,540/mo
Today · 4.125%
HK$51,817
baseline
▲ 0.50% · 4.625%
HK$54,970
+HK$3,153/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,634/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,245
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,700
−HK$1,475/mo
Today · 4.125%
HK$57,175
baseline
▲ 0.50% · 4.625%
HK$60,189
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,350/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,512
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,332
−HK$1,849/mo
Today · 4.125%
HK$62,181
baseline
▲ 0.50% · 4.625%
HK$65,965
+HK$3,784/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,362/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,094
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,840
−HK$1,771/mo
Today · 4.125%
HK$68,611
baseline
▲ 0.50% · 4.625%
HK$72,227
+HK$3,616/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,222/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,264
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,387
−HK$2,157/mo
Today · 4.125%
HK$72,544
baseline
▲ 0.50% · 4.625%
HK$76,959
+HK$4,415/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,088/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,943
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,979
−HK$2,067/mo
Today · 4.125%
HK$80,046
baseline
▲ 0.50% · 4.625%
HK$84,265
+HK$4,219/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,092/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,768
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,498
−HK$2,773/mo
Today · 4.125%
HK$93,271
baseline
▲ 0.50% · 4.625%
HK$98,947
+HK$5,676/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,542/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,641
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,259
−HK$2,657/mo
Today · 4.125%
HK$102,916
baseline
▲ 0.50% · 4.625%
HK$108,341
+HK$5,425/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,832/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,348 · Scale 2, in force from 26 Feb 2026)