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$48,733
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,249
−HK$1,540/mo
Today · 4.125%
HK$51,789
baseline
▲ 0.50% · 4.625%
HK$54,941
+HK$3,152/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,578/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,215
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,670
−HK$1,475/mo
Today · 4.125%
HK$57,145
baseline
▲ 0.50% · 4.625%
HK$60,157
+HK$3,012/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,290/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$887,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,480
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,299
−HK$1,848/mo
Today · 4.125%
HK$62,147
baseline
▲ 0.50% · 4.625%
HK$65,929
+HK$3,782/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,294/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,059
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,803
−HK$1,770/mo
Today · 4.125%
HK$68,573
baseline
▲ 0.50% · 4.625%
HK$72,188
+HK$3,615/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,146/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,227
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,349
−HK$2,156/mo
Today · 4.125%
HK$72,505
baseline
▲ 0.50% · 4.625%
HK$76,917
+HK$4,412/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,010/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,902
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,937
−HK$2,065/mo
Today · 4.125%
HK$80,002
baseline
▲ 0.50% · 4.625%
HK$84,219
+HK$4,217/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$160,004/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,720
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,449
−HK$2,772/mo
Today · 4.125%
HK$93,221
baseline
▲ 0.50% · 4.625%
HK$98,893
+HK$5,672/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,442/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,588
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,205
−HK$2,655/mo
Today · 4.125%
HK$102,860
baseline
▲ 0.50% · 4.625%
HK$108,282
+HK$5,422/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,720/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$887,192 · Scale 2, in force from 26 Feb 2026)