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$48,725
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,241
−HK$1,540/mo
Today · 4.125%
HK$51,781
baseline
▲ 0.50% · 4.625%
HK$54,931
+HK$3,150/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,562/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,206
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,660
−HK$1,475/mo
Today · 4.125%
HK$57,135
baseline
▲ 0.50% · 4.625%
HK$60,146
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,270/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,470
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,289
−HK$1,848/mo
Today · 4.125%
HK$62,137
baseline
▲ 0.50% · 4.625%
HK$65,918
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,274/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,047
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,792
−HK$1,770/mo
Today · 4.125%
HK$68,562
baseline
▲ 0.50% · 4.625%
HK$72,176
+HK$3,614/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,124/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,215
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,337
−HK$2,156/mo
Today · 4.125%
HK$72,493
baseline
▲ 0.50% · 4.625%
HK$76,904
+HK$4,411/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$144,986/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,889
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,924
−HK$2,065/mo
Today · 4.125%
HK$79,989
baseline
▲ 0.50% · 4.625%
HK$84,205
+HK$4,216/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$159,978/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,705
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,433
−HK$2,772/mo
Today · 4.125%
HK$93,205
baseline
▲ 0.50% · 4.625%
HK$98,876
+HK$5,671/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,410/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,571
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,188
−HK$2,655/mo
Today · 4.125%
HK$102,843
baseline
▲ 0.50% · 4.625%
HK$108,264
+HK$5,421/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,686/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,828 · Scale 2, in force from 26 Feb 2026)