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$48,622
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,134
−HK$1,537/mo
Today · 4.125%
HK$51,671
baseline
▲ 0.50% · 4.625%
HK$54,815
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,342/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,091
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,542
−HK$1,471/mo
Today · 4.125%
HK$57,013
baseline
▲ 0.50% · 4.625%
HK$60,019
+HK$3,006/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,026/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,346
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,161
−HK$1,844/mo
Today · 4.125%
HK$62,005
baseline
▲ 0.50% · 4.625%
HK$65,777
+HK$3,772/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$124,010/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,909
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,650
−HK$1,766/mo
Today · 4.125%
HK$68,416
baseline
▲ 0.50% · 4.625%
HK$72,022
+HK$3,606/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,832/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,070
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,188
−HK$2,151/mo
Today · 4.125%
HK$72,339
baseline
▲ 0.50% · 4.625%
HK$76,740
+HK$4,401/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,678/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,727
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,758
−HK$2,061/mo
Today · 4.125%
HK$79,819
baseline
▲ 0.50% · 4.625%
HK$84,026
+HK$4,207/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,638/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,519
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,241
−HK$2,766/mo
Today · 4.125%
HK$93,007
baseline
▲ 0.50% · 4.625%
HK$98,666
+HK$5,659/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,014/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,364
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,975
−HK$2,649/mo
Today · 4.125%
HK$102,624
baseline
▲ 0.50% · 4.625%
HK$108,033
+HK$5,409/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,248/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,284 · Scale 2, in force from 26 Feb 2026)