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$48,698
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,212
−HK$1,539/mo
Today · 4.125%
HK$51,751
baseline
▲ 0.50% · 4.625%
HK$54,900
+HK$3,149/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,502/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,176
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,629
−HK$1,474/mo
Today · 4.125%
HK$57,103
baseline
▲ 0.50% · 4.625%
HK$60,113
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,206/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,437
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,255
−HK$1,847/mo
Today · 4.125%
HK$62,102
baseline
▲ 0.50% · 4.625%
HK$65,880
+HK$3,778/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,204/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,011
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,754
−HK$1,769/mo
Today · 4.125%
HK$68,523
baseline
▲ 0.50% · 4.625%
HK$72,135
+HK$3,612/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,046/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,177
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,297
−HK$2,155/mo
Today · 4.125%
HK$72,452
baseline
▲ 0.50% · 4.625%
HK$76,861
+HK$4,409/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,904/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,846
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,880
−HK$2,064/mo
Today · 4.125%
HK$79,944
baseline
▲ 0.50% · 4.625%
HK$84,158
+HK$4,214/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,888/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,656
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,382
−HK$2,771/mo
Today · 4.125%
HK$93,153
baseline
▲ 0.50% · 4.625%
HK$98,821
+HK$5,668/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,306/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,516
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,132
−HK$2,653/mo
Today · 4.125%
HK$102,785
baseline
▲ 0.50% · 4.625%
HK$108,203
+HK$5,418/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,570/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,622 · Scale 2, in force from 26 Feb 2026)