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$48,619
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,131
−HK$1,537/mo
Today · 4.125%
HK$51,668
baseline
▲ 0.50% · 4.625%
HK$54,812
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,336/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,088
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,539
−HK$1,471/mo
Today · 4.125%
HK$57,010
baseline
▲ 0.50% · 4.625%
HK$60,015
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,020/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,343
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,158
−HK$1,843/mo
Today · 4.125%
HK$62,001
baseline
▲ 0.50% · 4.625%
HK$65,774
+HK$3,773/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$124,002/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,906
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,647
−HK$1,765/mo
Today · 4.125%
HK$68,412
baseline
▲ 0.50% · 4.625%
HK$72,019
+HK$3,607/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,824/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,067
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,184
−HK$2,151/mo
Today · 4.125%
HK$72,335
baseline
▲ 0.50% · 4.625%
HK$76,736
+HK$4,401/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,670/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,723
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,754
−HK$2,060/mo
Today · 4.125%
HK$79,814
baseline
▲ 0.50% · 4.625%
HK$84,022
+HK$4,208/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,628/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,514
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,236
−HK$2,766/mo
Today · 4.125%
HK$93,002
baseline
▲ 0.50% · 4.625%
HK$98,661
+HK$5,659/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,004/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,359
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,970
−HK$2,649/mo
Today · 4.125%
HK$102,619
baseline
▲ 0.50% · 4.625%
HK$108,028
+HK$5,409/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,238/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,172 · Scale 2, in force from 26 Feb 2026)