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$48,750
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,266
−HK$1,541/mo
Today · 4.125%
HK$51,807
baseline
▲ 0.50% · 4.625%
HK$54,959
+HK$3,152/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,614/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,234
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,688
−HK$1,476/mo
Today · 4.125%
HK$57,164
baseline
▲ 0.50% · 4.625%
HK$60,177
+HK$3,013/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,328/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,500
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,319
−HK$1,849/mo
Today · 4.125%
HK$62,168
baseline
▲ 0.50% · 4.625%
HK$65,951
+HK$3,783/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,336/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,080
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,826
−HK$1,770/mo
Today · 4.125%
HK$68,596
baseline
▲ 0.50% · 4.625%
HK$72,212
+HK$3,616/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,192/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,250
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,373
−HK$2,156/mo
Today · 4.125%
HK$72,529
baseline
▲ 0.50% · 4.625%
HK$76,943
+HK$4,414/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$145,058/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,927
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,963
−HK$2,066/mo
Today · 4.125%
HK$80,029
baseline
▲ 0.50% · 4.625%
HK$84,248
+HK$4,219/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$160,058/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,750
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,479
−HK$2,773/mo
Today · 4.125%
HK$93,252
baseline
▲ 0.50% · 4.625%
HK$98,926
+HK$5,674/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,504/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,620
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,239
−HK$2,656/mo
Today · 4.125%
HK$102,895
baseline
▲ 0.50% · 4.625%
HK$108,318
+HK$5,423/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,790/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,906 · Scale 2, in force from 26 Feb 2026)