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$48,765
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,282
−HK$1,541/mo
Today · 4.125%
HK$51,823
baseline
▲ 0.50% · 4.625%
HK$54,976
+HK$3,153/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,646/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,250
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,705
−HK$1,476/mo
Today · 4.125%
HK$57,181
baseline
▲ 0.50% · 4.625%
HK$60,195
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,362/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,518
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,338
−HK$1,849/mo
Today · 4.125%
HK$62,187
baseline
▲ 0.50% · 4.625%
HK$65,971
+HK$3,784/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,374/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,100
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,846
−HK$1,771/mo
Today · 4.125%
HK$68,617
baseline
▲ 0.50% · 4.625%
HK$72,234
+HK$3,617/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,234/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,271
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,394
−HK$2,158/mo
Today · 4.125%
HK$72,552
baseline
▲ 0.50% · 4.625%
HK$76,966
+HK$4,414/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,104/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,950
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,987
−HK$2,067/mo
Today · 4.125%
HK$80,054
baseline
▲ 0.50% · 4.625%
HK$84,273
+HK$4,219/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,108/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,776
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,507
−HK$2,774/mo
Today · 4.125%
HK$93,281
baseline
▲ 0.50% · 4.625%
HK$98,957
+HK$5,676/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,562/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,650
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,269
−HK$2,657/mo
Today · 4.125%
HK$102,926
baseline
▲ 0.50% · 4.625%
HK$108,352
+HK$5,426/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,852/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,563 · Scale 2, in force from 26 Feb 2026)