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$48,763
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,279
−HK$1,541/mo
Today · 4.125%
HK$51,820
baseline
▲ 0.50% · 4.625%
HK$54,974
+HK$3,154/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,640/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,248
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,703
−HK$1,476/mo
Today · 4.125%
HK$57,179
baseline
▲ 0.50% · 4.625%
HK$60,193
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,358/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,515
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,335
−HK$1,850/mo
Today · 4.125%
HK$62,185
baseline
▲ 0.50% · 4.625%
HK$65,968
+HK$3,783/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,370/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,098
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,843
−HK$1,772/mo
Today · 4.125%
HK$68,615
baseline
▲ 0.50% · 4.625%
HK$72,231
+HK$3,616/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,230/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,268
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,391
−HK$2,158/mo
Today · 4.125%
HK$72,549
baseline
▲ 0.50% · 4.625%
HK$76,963
+HK$4,414/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,098/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,947
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,984
−HK$2,066/mo
Today · 4.125%
HK$80,050
baseline
▲ 0.50% · 4.625%
HK$84,270
+HK$4,220/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,100/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,773
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,503
−HK$2,774/mo
Today · 4.125%
HK$93,277
baseline
▲ 0.50% · 4.625%
HK$98,953
+HK$5,676/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,554/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,646
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,265
−HK$2,657/mo
Today · 4.125%
HK$102,922
baseline
▲ 0.50% · 4.625%
HK$108,347
+HK$5,425/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,844/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,472 · Scale 2, in force from 26 Feb 2026)