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$48,610
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,122
−HK$1,536/mo
Today · 4.125%
HK$51,658
baseline
▲ 0.50% · 4.625%
HK$54,802
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,316/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,078
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,529
−HK$1,471/mo
Today · 4.125%
HK$57,000
baseline
▲ 0.50% · 4.625%
HK$60,005
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,000/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,332
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,147
−HK$1,843/mo
Today · 4.125%
HK$61,990
baseline
▲ 0.50% · 4.625%
HK$65,762
+HK$3,772/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,980/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,894
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,634
−HK$1,766/mo
Today · 4.125%
HK$68,400
baseline
▲ 0.50% · 4.625%
HK$72,005
+HK$3,605/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,800/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,054
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,171
−HK$2,151/mo
Today · 4.125%
HK$72,322
baseline
▲ 0.50% · 4.625%
HK$76,722
+HK$4,400/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$144,644/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,710
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,740
−HK$2,060/mo
Today · 4.125%
HK$79,800
baseline
▲ 0.50% · 4.625%
HK$84,006
+HK$4,206/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$159,600/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,498
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,220
−HK$2,765/mo
Today · 4.125%
HK$92,985
baseline
▲ 0.50% · 4.625%
HK$98,643
+HK$5,658/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$185,970/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,341
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,952
−HK$2,648/mo
Today · 4.125%
HK$102,600
baseline
▲ 0.50% · 4.625%
HK$108,008
+HK$5,408/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,200/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,786 · Scale 2, in force from 26 Feb 2026)