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$48,520
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,029
−HK$1,533/mo
Today · 4.125%
HK$51,562
baseline
▲ 0.50% · 4.625%
HK$54,700
+HK$3,138/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,124/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,978
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,425
−HK$1,469/mo
Today · 4.125%
HK$56,894
baseline
▲ 0.50% · 4.625%
HK$59,893
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,788/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,223
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,035
−HK$1,840/mo
Today · 4.125%
HK$61,875
baseline
▲ 0.50% · 4.625%
HK$65,640
+HK$3,765/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,750/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,773
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,510
−HK$1,763/mo
Today · 4.125%
HK$68,273
baseline
▲ 0.50% · 4.625%
HK$71,871
+HK$3,598/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,546/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,927
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,040
−HK$2,147/mo
Today · 4.125%
HK$72,187
baseline
▲ 0.50% · 4.625%
HK$76,579
+HK$4,392/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,374/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,569
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,595
−HK$2,056/mo
Today · 4.125%
HK$79,651
baseline
▲ 0.50% · 4.625%
HK$83,850
+HK$4,199/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,302/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,335
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,052
−HK$2,760/mo
Today · 4.125%
HK$92,812
baseline
▲ 0.50% · 4.625%
HK$98,459
+HK$5,647/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,624/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,160
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,765
−HK$2,644/mo
Today · 4.125%
HK$102,409
baseline
▲ 0.50% · 4.625%
HK$107,807
+HK$5,398/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,818/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,813 · Scale 2, in force from 26 Feb 2026)