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$48,620
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,133
−HK$1,536/mo
Today · 4.125%
HK$51,669
baseline
▲ 0.50% · 4.625%
HK$54,813
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,338/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,090
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,540
−HK$1,472/mo
Today · 4.125%
HK$57,012
baseline
▲ 0.50% · 4.625%
HK$60,017
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,024/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,344
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,159
−HK$1,844/mo
Today · 4.125%
HK$62,003
baseline
▲ 0.50% · 4.625%
HK$65,776
+HK$3,773/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$124,006/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,908
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,648
−HK$1,766/mo
Today · 4.125%
HK$68,414
baseline
▲ 0.50% · 4.625%
HK$72,021
+HK$3,607/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,828/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,069
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,186
−HK$2,151/mo
Today · 4.125%
HK$72,337
baseline
▲ 0.50% · 4.625%
HK$76,739
+HK$4,402/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,674/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,726
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,757
−HK$2,060/mo
Today · 4.125%
HK$79,817
baseline
▲ 0.50% · 4.625%
HK$84,024
+HK$4,207/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,634/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,517
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,239
−HK$2,766/mo
Today · 4.125%
HK$93,005
baseline
▲ 0.50% · 4.625%
HK$98,664
+HK$5,659/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,010/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,361
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,973
−HK$2,649/mo
Today · 4.125%
HK$102,622
baseline
▲ 0.50% · 4.625%
HK$108,031
+HK$5,409/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,244/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,235 · Scale 2, in force from 26 Feb 2026)