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$48,542
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,052
−HK$1,534/mo
Today · 4.125%
HK$51,586
baseline
▲ 0.50% · 4.625%
HK$54,725
+HK$3,139/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,172/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,003
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,451
−HK$1,469/mo
Today · 4.125%
HK$56,920
baseline
▲ 0.50% · 4.625%
HK$59,921
+HK$3,001/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,840/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,251
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,063
−HK$1,840/mo
Today · 4.125%
HK$61,903
baseline
▲ 0.50% · 4.625%
HK$65,670
+HK$3,767/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$123,806/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,803
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,541
−HK$1,763/mo
Today · 4.125%
HK$68,304
baseline
▲ 0.50% · 4.625%
HK$71,905
+HK$3,601/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$136,608/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,959
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,073
−HK$2,148/mo
Today · 4.125%
HK$72,221
baseline
▲ 0.50% · 4.625%
HK$76,615
+HK$4,394/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,442/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$878,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,604
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,631
−HK$2,057/mo
Today · 4.125%
HK$79,688
baseline
▲ 0.50% · 4.625%
HK$83,889
+HK$4,201/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,376/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$878,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,376
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,094
−HK$2,761/mo
Today · 4.125%
HK$92,855
baseline
▲ 0.50% · 4.625%
HK$98,505
+HK$5,650/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,710/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,205
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,812
−HK$2,644/mo
Today · 4.125%
HK$102,456
baseline
▲ 0.50% · 4.625%
HK$107,857
+HK$5,401/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,912/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,803 · Scale 2, in force from 26 Feb 2026)