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$48,768
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,285
−HK$1,541/mo
Today · 4.125%
HK$51,826
baseline
▲ 0.50% · 4.625%
HK$54,980
+HK$3,154/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,652/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,254
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,709
−HK$1,476/mo
Today · 4.125%
HK$57,185
baseline
▲ 0.50% · 4.625%
HK$60,200
+HK$3,015/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,370/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,522
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,342
−HK$1,850/mo
Today · 4.125%
HK$62,192
baseline
▲ 0.50% · 4.625%
HK$65,976
+HK$3,784/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,384/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,105
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,851
−HK$1,771/mo
Today · 4.125%
HK$68,622
baseline
▲ 0.50% · 4.625%
HK$72,240
+HK$3,618/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,244/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,276
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,399
−HK$2,158/mo
Today · 4.125%
HK$72,557
baseline
▲ 0.50% · 4.625%
HK$76,972
+HK$4,415/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,114/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,956
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,993
−HK$2,067/mo
Today · 4.125%
HK$80,060
baseline
▲ 0.50% · 4.625%
HK$84,280
+HK$4,220/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,120/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,783
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,513
−HK$2,775/mo
Today · 4.125%
HK$93,288
baseline
▲ 0.50% · 4.625%
HK$98,964
+HK$5,676/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,576/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,658
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,277
−HK$2,657/mo
Today · 4.125%
HK$102,934
baseline
▲ 0.50% · 4.625%
HK$108,359
+HK$5,425/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,868/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,718 · Scale 2, in force from 26 Feb 2026)