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$48,691
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,206
−HK$1,539/mo
Today · 4.125%
HK$51,745
baseline
▲ 0.50% · 4.625%
HK$54,893
+HK$3,148/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,490/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,168
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,621
−HK$1,474/mo
Today · 4.125%
HK$57,095
baseline
▲ 0.50% · 4.625%
HK$60,105
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,190/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,429
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,247
−HK$1,847/mo
Today · 4.125%
HK$62,094
baseline
▲ 0.50% · 4.625%
HK$65,872
+HK$3,778/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,188/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,002
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,746
−HK$1,768/mo
Today · 4.125%
HK$68,514
baseline
▲ 0.50% · 4.625%
HK$72,126
+HK$3,612/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,028/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,168
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,288
−HK$2,154/mo
Today · 4.125%
HK$72,442
baseline
▲ 0.50% · 4.625%
HK$76,850
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,884/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,836
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,870
−HK$2,063/mo
Today · 4.125%
HK$79,933
baseline
▲ 0.50% · 4.625%
HK$84,146
+HK$4,213/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,866/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,644
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,370
−HK$2,770/mo
Today · 4.125%
HK$93,140
baseline
▲ 0.50% · 4.625%
HK$98,808
+HK$5,668/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,280/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,503
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,118
−HK$2,653/mo
Today · 4.125%
HK$102,771
baseline
▲ 0.50% · 4.625%
HK$108,188
+HK$5,417/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,542/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,340 · Scale 2, in force from 26 Feb 2026)