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$48,705
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,220
−HK$1,539/mo
Today · 4.125%
HK$51,759
baseline
▲ 0.50% · 4.625%
HK$54,908
+HK$3,149/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,518/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$885,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,184
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,637
−HK$1,474/mo
Today · 4.125%
HK$57,111
baseline
▲ 0.50% · 4.625%
HK$60,121
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,222/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$885,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,446
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,264
−HK$1,847/mo
Today · 4.125%
HK$62,111
baseline
▲ 0.50% · 4.625%
HK$65,890
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$124,222/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,020
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,764
−HK$1,769/mo
Today · 4.125%
HK$68,533
baseline
▲ 0.50% · 4.625%
HK$72,146
+HK$3,613/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$137,066/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,187
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,308
−HK$2,155/mo
Today · 4.125%
HK$72,463
baseline
▲ 0.50% · 4.625%
HK$76,872
+HK$4,409/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,926/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,857
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,892
−HK$2,063/mo
Today · 4.125%
HK$79,955
baseline
▲ 0.50% · 4.625%
HK$84,170
+HK$4,215/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,910/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,669
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,396
−HK$2,770/mo
Today · 4.125%
HK$93,166
baseline
▲ 0.50% · 4.625%
HK$98,835
+HK$5,669/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,332/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,531
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,146
−HK$2,654/mo
Today · 4.125%
HK$102,800
baseline
▲ 0.50% · 4.625%
HK$108,219
+HK$5,419/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,600/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,938 · Scale 2, in force from 26 Feb 2026)