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$48,688
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,202
−HK$1,539/mo
Today · 4.125%
HK$51,741
baseline
▲ 0.50% · 4.625%
HK$54,889
+HK$3,148/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,482/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,164
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,617
−HK$1,474/mo
Today · 4.125%
HK$57,091
baseline
▲ 0.50% · 4.625%
HK$60,100
+HK$3,009/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,182/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,425
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,242
−HK$1,847/mo
Today · 4.125%
HK$62,089
baseline
▲ 0.50% · 4.625%
HK$65,867
+HK$3,778/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,178/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,997
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,741
−HK$1,768/mo
Today · 4.125%
HK$68,509
baseline
▲ 0.50% · 4.625%
HK$72,120
+HK$3,611/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,018/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,163
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,283
−HK$2,154/mo
Today · 4.125%
HK$72,437
baseline
▲ 0.50% · 4.625%
HK$76,845
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,874/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,830
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,864
−HK$2,063/mo
Today · 4.125%
HK$79,927
baseline
▲ 0.50% · 4.625%
HK$84,140
+HK$4,213/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,854/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,638
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,364
−HK$2,769/mo
Today · 4.125%
HK$93,133
baseline
▲ 0.50% · 4.625%
HK$98,800
+HK$5,667/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,266/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,496
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,111
−HK$2,652/mo
Today · 4.125%
HK$102,763
baseline
▲ 0.50% · 4.625%
HK$108,180
+HK$5,417/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,526/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,181 · Scale 2, in force from 26 Feb 2026)