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$48,757
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,274
−HK$1,541/mo
Today · 4.125%
HK$51,815
baseline
▲ 0.50% · 4.625%
HK$54,967
+HK$3,152/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,630/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,242
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,697
−HK$1,475/mo
Today · 4.125%
HK$57,172
baseline
▲ 0.50% · 4.625%
HK$60,186
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,344/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,509
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,329
−HK$1,849/mo
Today · 4.125%
HK$62,178
baseline
▲ 0.50% · 4.625%
HK$65,961
+HK$3,783/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,356/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,090
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,836
−HK$1,771/mo
Today · 4.125%
HK$68,607
baseline
▲ 0.50% · 4.625%
HK$72,223
+HK$3,616/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,214/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,260
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,383
−HK$2,158/mo
Today · 4.125%
HK$72,541
baseline
▲ 0.50% · 4.625%
HK$76,954
+HK$4,413/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$145,082/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,939
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,975
−HK$2,066/mo
Today · 4.125%
HK$80,041
baseline
▲ 0.50% · 4.625%
HK$84,260
+HK$4,219/mo
Deposit HK$6.41M · loan HK$14.97M · min. income ≈ HK$160,082/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,763
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,493
−HK$2,773/mo
Today · 4.125%
HK$93,266
baseline
▲ 0.50% · 4.625%
HK$98,941
+HK$5,675/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,532/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,635
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,254
−HK$2,656/mo
Today · 4.125%
HK$102,910
baseline
▲ 0.50% · 4.625%
HK$108,335
+HK$5,425/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,820/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,233 · Scale 2, in force from 26 Feb 2026)