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$48,640
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,153
−HK$1,537/mo
Today · 4.125%
HK$51,690
baseline
▲ 0.50% · 4.625%
HK$54,835
+HK$3,145/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,380/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,112
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,563
−HK$1,472/mo
Today · 4.125%
HK$57,035
baseline
▲ 0.50% · 4.625%
HK$60,041
+HK$3,006/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,070/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,368
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,184
−HK$1,844/mo
Today · 4.125%
HK$62,028
baseline
▲ 0.50% · 4.625%
HK$65,802
+HK$3,774/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,056/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,934
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,675
−HK$1,767/mo
Today · 4.125%
HK$68,442
baseline
▲ 0.50% · 4.625%
HK$72,050
+HK$3,608/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,884/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,096
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,214
−HK$2,152/mo
Today · 4.125%
HK$72,366
baseline
▲ 0.50% · 4.625%
HK$76,770
+HK$4,404/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,732/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,756
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,788
−HK$2,061/mo
Today · 4.125%
HK$79,849
baseline
▲ 0.50% · 4.625%
HK$84,058
+HK$4,209/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,698/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,552
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,275
−HK$2,767/mo
Today · 4.125%
HK$93,042
baseline
▲ 0.50% · 4.625%
HK$98,704
+HK$5,662/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,084/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,401
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,013
−HK$2,650/mo
Today · 4.125%
HK$102,663
baseline
▲ 0.50% · 4.625%
HK$108,075
+HK$5,412/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,326/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,095 · Scale 2, in force from 26 Feb 2026)