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$48,710
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,225
−HK$1,540/mo
Today · 4.125%
HK$51,765
baseline
▲ 0.50% · 4.625%
HK$54,914
+HK$3,149/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,530/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,190
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,643
−HK$1,474/mo
Today · 4.125%
HK$57,117
baseline
▲ 0.50% · 4.625%
HK$60,128
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,234/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,452
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,270
−HK$1,848/mo
Today · 4.125%
HK$62,118
baseline
▲ 0.50% · 4.625%
HK$65,897
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$124,236/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,027
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,771
−HK$1,770/mo
Today · 4.125%
HK$68,541
baseline
▲ 0.50% · 4.625%
HK$72,154
+HK$3,613/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$137,082/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,194
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,315
−HK$2,156/mo
Today · 4.125%
HK$72,471
baseline
▲ 0.50% · 4.625%
HK$76,880
+HK$4,409/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,942/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$886,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,865
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,900
−HK$2,064/mo
Today · 4.125%
HK$79,964
baseline
▲ 0.50% · 4.625%
HK$84,179
+HK$4,215/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,928/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$886,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,678
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,406
−HK$2,771/mo
Today · 4.125%
HK$93,177
baseline
▲ 0.50% · 4.625%
HK$98,846
+HK$5,669/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,354/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,541
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,157
−HK$2,654/mo
Today · 4.125%
HK$102,811
baseline
▲ 0.50% · 4.625%
HK$108,230
+HK$5,419/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,622/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,171 · Scale 2, in force from 26 Feb 2026)