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$48,625
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,138
−HK$1,536/mo
Today · 4.125%
HK$51,674
baseline
▲ 0.50% · 4.625%
HK$54,819
+HK$3,145/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,348/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,095
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,546
−HK$1,472/mo
Today · 4.125%
HK$57,018
baseline
▲ 0.50% · 4.625%
HK$60,023
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,036/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,350
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,165
−HK$1,844/mo
Today · 4.125%
HK$62,009
baseline
▲ 0.50% · 4.625%
HK$65,782
+HK$3,773/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$124,018/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,914
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,655
−HK$1,766/mo
Today · 4.125%
HK$68,421
baseline
▲ 0.50% · 4.625%
HK$72,028
+HK$3,607/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,842/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,075
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,193
−HK$2,151/mo
Today · 4.125%
HK$72,344
baseline
▲ 0.50% · 4.625%
HK$76,746
+HK$4,402/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,688/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,733
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,764
−HK$2,061/mo
Today · 4.125%
HK$79,825
baseline
▲ 0.50% · 4.625%
HK$84,032
+HK$4,207/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,650/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,525
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,248
−HK$2,766/mo
Today · 4.125%
HK$93,014
baseline
▲ 0.50% · 4.625%
HK$98,674
+HK$5,660/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,028/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,371
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,983
−HK$2,649/mo
Today · 4.125%
HK$102,632
baseline
▲ 0.50% · 4.625%
HK$108,042
+HK$5,410/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,264/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,445 · Scale 2, in force from 26 Feb 2026)