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$48,771
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,288
−HK$1,542/mo
Today · 4.125%
HK$51,830
baseline
▲ 0.50% · 4.625%
HK$54,983
+HK$3,153/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,660/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,257
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,713
−HK$1,476/mo
Today · 4.125%
HK$57,189
baseline
▲ 0.50% · 4.625%
HK$60,203
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,378/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,525
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,346
−HK$1,850/mo
Today · 4.125%
HK$62,196
baseline
▲ 0.50% · 4.625%
HK$65,980
+HK$3,784/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$124,392/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,109
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,855
−HK$1,772/mo
Today · 4.125%
HK$68,627
baseline
▲ 0.50% · 4.625%
HK$72,244
+HK$3,617/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$137,254/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,280
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,404
−HK$2,157/mo
Today · 4.125%
HK$72,561
baseline
▲ 0.50% · 4.625%
HK$76,977
+HK$4,416/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,122/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$888,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,960
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,998
−HK$2,066/mo
Today · 4.125%
HK$80,064
baseline
▲ 0.50% · 4.625%
HK$84,285
+HK$4,221/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,128/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$888,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,788
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,519
−HK$2,774/mo
Today · 4.125%
HK$93,293
baseline
▲ 0.50% · 4.625%
HK$98,970
+HK$5,677/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,586/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,663
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,283
−HK$2,657/mo
Today · 4.125%
HK$102,940
baseline
▲ 0.50% · 4.625%
HK$108,366
+HK$5,426/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,880/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,848 · Scale 2, in force from 26 Feb 2026)