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$48,630
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,143
−HK$1,537/mo
Today · 4.125%
HK$51,680
baseline
▲ 0.50% · 4.625%
HK$54,824
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,360/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,101
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,552
−HK$1,472/mo
Today · 4.125%
HK$57,024
baseline
▲ 0.50% · 4.625%
HK$60,029
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,048/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,356
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,171
−HK$1,845/mo
Today · 4.125%
HK$62,016
baseline
▲ 0.50% · 4.625%
HK$65,789
+HK$3,773/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,032/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,921
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,662
−HK$1,766/mo
Today · 4.125%
HK$68,428
baseline
▲ 0.50% · 4.625%
HK$72,035
+HK$3,607/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,856/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,082
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,200
−HK$2,152/mo
Today · 4.125%
HK$72,352
baseline
▲ 0.50% · 4.625%
HK$76,754
+HK$4,402/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,704/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,741
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,772
−HK$2,061/mo
Today · 4.125%
HK$79,833
baseline
▲ 0.50% · 4.625%
HK$84,041
+HK$4,208/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,666/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,534
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,257
−HK$2,767/mo
Today · 4.125%
HK$93,024
baseline
▲ 0.50% · 4.625%
HK$98,684
+HK$5,660/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,048/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,381
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,993
−HK$2,649/mo
Today · 4.125%
HK$102,642
baseline
▲ 0.50% · 4.625%
HK$108,053
+HK$5,411/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,284/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,664 · Scale 2, in force from 26 Feb 2026)