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$48,693
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,207
−HK$1,539/mo
Today · 4.125%
HK$51,746
baseline
▲ 0.50% · 4.625%
HK$54,895
+HK$3,149/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,492/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,170
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,623
−HK$1,474/mo
Today · 4.125%
HK$57,097
baseline
▲ 0.50% · 4.625%
HK$60,106
+HK$3,009/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,194/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,431
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,249
−HK$1,846/mo
Today · 4.125%
HK$62,095
baseline
▲ 0.50% · 4.625%
HK$65,874
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,190/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,004
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,747
−HK$1,769/mo
Today · 4.125%
HK$68,516
baseline
▲ 0.50% · 4.625%
HK$72,127
+HK$3,611/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,032/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,170
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,290
−HK$2,154/mo
Today · 4.125%
HK$72,444
baseline
▲ 0.50% · 4.625%
HK$76,852
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,888/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,838
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,872
−HK$2,063/mo
Today · 4.125%
HK$79,935
baseline
▲ 0.50% · 4.625%
HK$84,149
+HK$4,214/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,870/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,647
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,373
−HK$2,770/mo
Today · 4.125%
HK$93,143
baseline
▲ 0.50% · 4.625%
HK$98,810
+HK$5,667/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,286/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,506
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,121
−HK$2,653/mo
Today · 4.125%
HK$102,774
baseline
▲ 0.50% · 4.625%
HK$108,191
+HK$5,417/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,548/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,398 · Scale 2, in force from 26 Feb 2026)