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$48,664
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,178
−HK$1,538/mo
Today · 4.125%
HK$51,716
baseline
▲ 0.50% · 4.625%
HK$54,863
+HK$3,147/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,432/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$884,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,138
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,590
−HK$1,473/mo
Today · 4.125%
HK$57,063
baseline
▲ 0.50% · 4.625%
HK$60,071
+HK$3,008/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,126/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$884,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,397
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,214
−HK$1,845/mo
Today · 4.125%
HK$62,059
baseline
▲ 0.50% · 4.625%
HK$65,835
+HK$3,776/mo
Deposit HK$8.54M · loan HK$12.80M · min. income ≈ HK$124,118/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,966
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,709
−HK$1,767/mo
Today · 4.125%
HK$68,476
baseline
▲ 0.50% · 4.625%
HK$72,086
+HK$3,610/mo
Deposit HK$8.54M · loan HK$12.80M · min. income ≈ HK$136,952/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,130
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,249
−HK$2,153/mo
Today · 4.125%
HK$72,402
baseline
▲ 0.50% · 4.625%
HK$76,808
+HK$4,406/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,804/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,794
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,827
−HK$2,062/mo
Today · 4.125%
HK$79,889
baseline
▲ 0.50% · 4.625%
HK$84,100
+HK$4,211/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,778/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,596
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,320
−HK$2,769/mo
Today · 4.125%
HK$93,089
baseline
▲ 0.50% · 4.625%
HK$98,753
+HK$5,664/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,178/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,449
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,063
−HK$2,651/mo
Today · 4.125%
HK$102,714
baseline
▲ 0.50% · 4.625%
HK$108,128
+HK$5,414/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,428/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,157 · Scale 2, in force from 26 Feb 2026)