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$48,703
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,218
−HK$1,539/mo
Today · 4.125%
HK$51,757
baseline
▲ 0.50% · 4.625%
HK$54,906
+HK$3,149/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,514/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$885,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,182
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,635
−HK$1,474/mo
Today · 4.125%
HK$57,109
baseline
▲ 0.50% · 4.625%
HK$60,119
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,218/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$885,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,444
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,262
−HK$1,847/mo
Today · 4.125%
HK$62,109
baseline
▲ 0.50% · 4.625%
HK$65,888
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$124,218/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,018
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,762
−HK$1,769/mo
Today · 4.125%
HK$68,531
baseline
▲ 0.50% · 4.625%
HK$72,143
+HK$3,612/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$137,062/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,184
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,305
−HK$2,155/mo
Today · 4.125%
HK$72,460
baseline
▲ 0.50% · 4.625%
HK$76,869
+HK$4,409/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,920/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,854
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,889
−HK$2,064/mo
Today · 4.125%
HK$79,953
baseline
▲ 0.50% · 4.625%
HK$84,167
+HK$4,214/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,906/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,666
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,392
−HK$2,771/mo
Today · 4.125%
HK$93,163
baseline
▲ 0.50% · 4.625%
HK$98,832
+HK$5,669/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,326/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,527
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,143
−HK$2,653/mo
Today · 4.125%
HK$102,796
baseline
▲ 0.50% · 4.625%
HK$108,215
+HK$5,419/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,592/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,860 · Scale 2, in force from 26 Feb 2026)