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$48,679
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,193
−HK$1,539/mo
Today · 4.125%
HK$51,732
baseline
▲ 0.50% · 4.625%
HK$54,879
+HK$3,147/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,464/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,155
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,607
−HK$1,474/mo
Today · 4.125%
HK$57,081
baseline
▲ 0.50% · 4.625%
HK$60,089
+HK$3,008/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,162/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,415
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,232
−HK$1,846/mo
Today · 4.125%
HK$62,078
baseline
▲ 0.50% · 4.625%
HK$65,855
+HK$3,777/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,156/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,986
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,729
−HK$1,768/mo
Today · 4.125%
HK$68,497
baseline
▲ 0.50% · 4.625%
HK$72,107
+HK$3,610/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$136,994/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,150
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,270
−HK$2,154/mo
Today · 4.125%
HK$72,424
baseline
▲ 0.50% · 4.625%
HK$76,831
+HK$4,407/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,848/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,817
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,850
−HK$2,063/mo
Today · 4.125%
HK$79,913
baseline
▲ 0.50% · 4.625%
HK$84,125
+HK$4,212/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,826/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,622
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,348
−HK$2,769/mo
Today · 4.125%
HK$93,117
baseline
▲ 0.50% · 4.625%
HK$98,783
+HK$5,666/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,234/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,479
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,093
−HK$2,652/mo
Today · 4.125%
HK$102,745
baseline
▲ 0.50% · 4.625%
HK$108,161
+HK$5,416/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,490/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,801 · Scale 2, in force from 26 Feb 2026)