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$48,824
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,342
−HK$1,543/mo
Today · 4.125%
HK$51,885
baseline
▲ 0.50% · 4.625%
HK$55,042
+HK$3,157/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,770/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,316
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,773
−HK$1,477/mo
Today · 4.125%
HK$57,250
baseline
▲ 0.50% · 4.625%
HK$60,268
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,500/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,588
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,411
−HK$1,851/mo
Today · 4.125%
HK$62,262
baseline
▲ 0.50% · 4.625%
HK$66,051
+HK$3,789/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$124,524/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,179
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,927
−HK$1,773/mo
Today · 4.125%
HK$68,700
baseline
▲ 0.50% · 4.625%
HK$72,322
+HK$3,622/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$137,400/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,353
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,479
−HK$2,160/mo
Today · 4.125%
HK$72,639
baseline
▲ 0.50% · 4.625%
HK$77,059
+HK$4,420/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,278/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,042
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,082
−HK$2,068/mo
Today · 4.125%
HK$80,150
baseline
▲ 0.50% · 4.625%
HK$84,375
+HK$4,225/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,300/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,883
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,616
−HK$2,778/mo
Today · 4.125%
HK$93,394
baseline
▲ 0.50% · 4.625%
HK$99,076
+HK$5,682/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,788/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,768
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,391
−HK$2,660/mo
Today · 4.125%
HK$103,051
baseline
▲ 0.50% · 4.625%
HK$108,483
+HK$5,432/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,102/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,148 · Scale 2, in force from 26 Feb 2026)