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$48,725
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,240
−HK$1,540/mo
Today · 4.125%
HK$51,780
baseline
▲ 0.50% · 4.625%
HK$54,931
+HK$3,151/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,560/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,206
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,659
−HK$1,475/mo
Today · 4.125%
HK$57,134
baseline
▲ 0.50% · 4.625%
HK$60,146
+HK$3,012/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,268/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,470
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,288
−HK$1,848/mo
Today · 4.125%
HK$62,136
baseline
▲ 0.50% · 4.625%
HK$65,917
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,272/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,047
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,791
−HK$1,770/mo
Today · 4.125%
HK$68,561
baseline
▲ 0.50% · 4.625%
HK$72,175
+HK$3,614/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,122/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,214
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,336
−HK$2,156/mo
Today · 4.125%
HK$72,492
baseline
▲ 0.50% · 4.625%
HK$76,903
+HK$4,411/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$144,984/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,888
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,923
−HK$2,065/mo
Today · 4.125%
HK$79,988
baseline
▲ 0.50% · 4.625%
HK$84,204
+HK$4,216/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$159,976/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,704
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,432
−HK$2,772/mo
Today · 4.125%
HK$93,204
baseline
▲ 0.50% · 4.625%
HK$98,875
+HK$5,671/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,408/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,570
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,187
−HK$2,655/mo
Today · 4.125%
HK$102,842
baseline
▲ 0.50% · 4.625%
HK$108,262
+HK$5,420/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,684/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,804 · Scale 2, in force from 26 Feb 2026)