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$48,932
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,454
−HK$1,546/mo
Today · 4.125%
HK$52,000
baseline
▲ 0.50% · 4.625%
HK$55,164
+HK$3,164/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,000/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$895,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,436
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,896
−HK$1,481/mo
Today · 4.125%
HK$57,377
baseline
▲ 0.50% · 4.625%
HK$60,402
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,754/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$895,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,718
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,545
−HK$1,855/mo
Today · 4.125%
HK$62,400
baseline
▲ 0.50% · 4.625%
HK$66,197
+HK$3,797/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$124,800/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,323
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,075
−HK$1,778/mo
Today · 4.125%
HK$68,853
baseline
▲ 0.50% · 4.625%
HK$72,482
+HK$3,629/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$137,706/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,504
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,635
−HK$2,165/mo
Today · 4.125%
HK$72,800
baseline
▲ 0.50% · 4.625%
HK$77,230
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,600/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,211
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,254
−HK$2,074/mo
Today · 4.125%
HK$80,328
baseline
▲ 0.50% · 4.625%
HK$84,562
+HK$4,234/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,656/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,077
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,817
−HK$2,783/mo
Today · 4.125%
HK$93,600
baseline
▲ 0.50% · 4.625%
HK$99,296
+HK$5,696/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,200/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,985
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,613
−HK$2,666/mo
Today · 4.125%
HK$103,279
baseline
▲ 0.50% · 4.625%
HK$108,723
+HK$5,444/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,558/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,889 · Scale 2, in force from 26 Feb 2026)