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$48,695
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,209
−HK$1,539/mo
Today · 4.125%
HK$51,748
baseline
▲ 0.50% · 4.625%
HK$54,897
+HK$3,149/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,496/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,172
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,625
−HK$1,474/mo
Today · 4.125%
HK$57,099
baseline
▲ 0.50% · 4.625%
HK$60,109
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,198/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,434
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,251
−HK$1,847/mo
Today · 4.125%
HK$62,098
baseline
▲ 0.50% · 4.625%
HK$65,876
+HK$3,778/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,196/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,007
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,750
−HK$1,769/mo
Today · 4.125%
HK$68,519
baseline
▲ 0.50% · 4.625%
HK$72,131
+HK$3,612/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,038/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,172
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,293
−HK$2,154/mo
Today · 4.125%
HK$72,447
baseline
▲ 0.50% · 4.625%
HK$76,856
+HK$4,409/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,894/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,841
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,875
−HK$2,064/mo
Today · 4.125%
HK$79,939
baseline
▲ 0.50% · 4.625%
HK$84,152
+HK$4,213/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,878/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,650
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,377
−HK$2,770/mo
Today · 4.125%
HK$93,147
baseline
▲ 0.50% · 4.625%
HK$98,815
+HK$5,668/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,294/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,510
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,125
−HK$2,653/mo
Today · 4.125%
HK$102,778
baseline
▲ 0.50% · 4.625%
HK$108,196
+HK$5,418/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,556/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,489 · Scale 2, in force from 26 Feb 2026)