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$48,613
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,125
−HK$1,536/mo
Today · 4.125%
HK$51,661
baseline
▲ 0.50% · 4.625%
HK$54,805
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,322/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,081
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,532
−HK$1,471/mo
Today · 4.125%
HK$57,003
baseline
▲ 0.50% · 4.625%
HK$60,008
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,006/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,335
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,150
−HK$1,843/mo
Today · 4.125%
HK$61,993
baseline
▲ 0.50% · 4.625%
HK$65,766
+HK$3,773/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,986/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,897
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,638
−HK$1,766/mo
Today · 4.125%
HK$68,404
baseline
▲ 0.50% · 4.625%
HK$72,009
+HK$3,605/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,808/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,058
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,175
−HK$2,151/mo
Today · 4.125%
HK$72,326
baseline
▲ 0.50% · 4.625%
HK$76,726
+HK$4,400/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$144,652/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,714
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,744
−HK$2,060/mo
Today · 4.125%
HK$79,804
baseline
▲ 0.50% · 4.625%
HK$84,011
+HK$4,207/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$159,608/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,503
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,225
−HK$2,765/mo
Today · 4.125%
HK$92,990
baseline
▲ 0.50% · 4.625%
HK$98,648
+HK$5,658/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$185,980/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,346
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,957
−HK$2,648/mo
Today · 4.125%
HK$102,605
baseline
▲ 0.50% · 4.625%
HK$108,014
+HK$5,409/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,210/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,897 · Scale 2, in force from 26 Feb 2026)