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$48,712
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,228
−HK$1,539/mo
Today · 4.125%
HK$51,767
baseline
▲ 0.50% · 4.625%
HK$54,917
+HK$3,150/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,534/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,192
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,646
−HK$1,474/mo
Today · 4.125%
HK$57,120
baseline
▲ 0.50% · 4.625%
HK$60,131
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,240/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,455
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,273
−HK$1,848/mo
Today · 4.125%
HK$62,121
baseline
▲ 0.50% · 4.625%
HK$65,901
+HK$3,780/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,242/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,031
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,775
−HK$1,769/mo
Today · 4.125%
HK$68,544
baseline
▲ 0.50% · 4.625%
HK$72,157
+HK$3,613/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,088/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,197
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,319
−HK$2,155/mo
Today · 4.125%
HK$72,474
baseline
▲ 0.50% · 4.625%
HK$76,884
+HK$4,410/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,948/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,869
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,904
−HK$2,064/mo
Today · 4.125%
HK$79,968
baseline
▲ 0.50% · 4.625%
HK$84,183
+HK$4,215/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,936/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,682
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,410
−HK$2,771/mo
Today · 4.125%
HK$93,181
baseline
▲ 0.50% · 4.625%
HK$98,851
+HK$5,670/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,362/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,546
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,162
−HK$2,654/mo
Today · 4.125%
HK$102,816
baseline
▲ 0.50% · 4.625%
HK$108,236
+HK$5,420/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,632/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,272 · Scale 2, in force from 26 Feb 2026)