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$48,746
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,263
−HK$1,540/mo
Today · 4.125%
HK$51,803
baseline
▲ 0.50% · 4.625%
HK$54,955
+HK$3,152/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,606/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,230
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,684
−HK$1,476/mo
Today · 4.125%
HK$57,160
baseline
▲ 0.50% · 4.625%
HK$60,173
+HK$3,013/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,320/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,496
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,315
−HK$1,849/mo
Today · 4.125%
HK$62,164
baseline
▲ 0.50% · 4.625%
HK$65,946
+HK$3,782/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,328/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,076
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,821
−HK$1,771/mo
Today · 4.125%
HK$68,592
baseline
▲ 0.50% · 4.625%
HK$72,207
+HK$3,615/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,184/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,245
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,368
−HK$2,157/mo
Today · 4.125%
HK$72,525
baseline
▲ 0.50% · 4.625%
HK$76,937
+HK$4,412/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,050/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,922
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,958
−HK$2,066/mo
Today · 4.125%
HK$80,024
baseline
▲ 0.50% · 4.625%
HK$84,242
+HK$4,218/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$160,048/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,744
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,473
−HK$2,773/mo
Today · 4.125%
HK$93,246
baseline
▲ 0.50% · 4.625%
HK$98,920
+HK$5,674/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,492/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,614
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,232
−HK$2,656/mo
Today · 4.125%
HK$102,888
baseline
▲ 0.50% · 4.625%
HK$108,311
+HK$5,423/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,776/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,760 · Scale 2, in force from 26 Feb 2026)