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$48,709
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,224
−HK$1,539/mo
Today · 4.125%
HK$51,763
baseline
▲ 0.50% · 4.625%
HK$54,913
+HK$3,150/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,526/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,188
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,641
−HK$1,475/mo
Today · 4.125%
HK$57,116
baseline
▲ 0.50% · 4.625%
HK$60,126
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,232/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,450
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,269
−HK$1,847/mo
Today · 4.125%
HK$62,116
baseline
▲ 0.50% · 4.625%
HK$65,895
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$124,232/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,026
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,769
−HK$1,770/mo
Today · 4.125%
HK$68,539
baseline
▲ 0.50% · 4.625%
HK$72,151
+HK$3,612/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$137,078/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,192
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,313
−HK$2,155/mo
Today · 4.125%
HK$72,468
baseline
▲ 0.50% · 4.625%
HK$76,878
+HK$4,410/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,936/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$886,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,863
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,898
−HK$2,064/mo
Today · 4.125%
HK$79,962
baseline
▲ 0.50% · 4.625%
HK$84,177
+HK$4,215/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,924/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$886,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,676
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,403
−HK$2,771/mo
Today · 4.125%
HK$93,174
baseline
▲ 0.50% · 4.625%
HK$98,843
+HK$5,669/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,348/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,538
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,154
−HK$2,654/mo
Today · 4.125%
HK$102,808
baseline
▲ 0.50% · 4.625%
HK$108,227
+HK$5,419/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,616/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,107 · Scale 2, in force from 26 Feb 2026)