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$48,509
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,018
−HK$1,533/mo
Today · 4.125%
HK$51,551
baseline
▲ 0.50% · 4.625%
HK$54,687
+HK$3,136/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,102/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$877,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,965
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,413
−HK$1,468/mo
Today · 4.125%
HK$56,881
baseline
▲ 0.50% · 4.625%
HK$59,879
+HK$2,998/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,762/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$877,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,210
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,021
−HK$1,840/mo
Today · 4.125%
HK$61,861
baseline
▲ 0.50% · 4.625%
HK$65,625
+HK$3,764/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,722/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,758
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,495
−HK$1,762/mo
Today · 4.125%
HK$68,257
baseline
▲ 0.50% · 4.625%
HK$71,855
+HK$3,598/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,514/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,912
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,025
−HK$2,146/mo
Today · 4.125%
HK$72,171
baseline
▲ 0.50% · 4.625%
HK$76,562
+HK$4,391/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,342/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,551
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,578
−HK$2,055/mo
Today · 4.125%
HK$79,633
baseline
▲ 0.50% · 4.625%
HK$83,831
+HK$4,198/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,266/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,316
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,032
−HK$2,759/mo
Today · 4.125%
HK$92,791
baseline
▲ 0.50% · 4.625%
HK$98,437
+HK$5,646/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,582/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$877,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,138
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,743
−HK$2,643/mo
Today · 4.125%
HK$102,386
baseline
▲ 0.50% · 4.625%
HK$107,783
+HK$5,397/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,772/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$877,332 · Scale 2, in force from 26 Feb 2026)