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$48,714
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,229
−HK$1,540/mo
Today · 4.125%
HK$51,769
baseline
▲ 0.50% · 4.625%
HK$54,919
+HK$3,150/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,538/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,194
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,647
−HK$1,475/mo
Today · 4.125%
HK$57,122
baseline
▲ 0.50% · 4.625%
HK$60,133
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,244/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,457
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,275
−HK$1,848/mo
Today · 4.125%
HK$62,123
baseline
▲ 0.50% · 4.625%
HK$65,903
+HK$3,780/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,246/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,033
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,777
−HK$1,769/mo
Today · 4.125%
HK$68,546
baseline
▲ 0.50% · 4.625%
HK$72,159
+HK$3,613/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,092/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,200
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,321
−HK$2,155/mo
Today · 4.125%
HK$72,476
baseline
▲ 0.50% · 4.625%
HK$76,886
+HK$4,410/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,952/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,871
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,906
−HK$2,064/mo
Today · 4.125%
HK$79,970
baseline
▲ 0.50% · 4.625%
HK$84,186
+HK$4,216/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,940/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,685
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,413
−HK$2,771/mo
Today · 4.125%
HK$93,184
baseline
▲ 0.50% · 4.625%
HK$98,854
+HK$5,670/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,368/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,549
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,165
−HK$2,654/mo
Today · 4.125%
HK$102,819
baseline
▲ 0.50% · 4.625%
HK$108,239
+HK$5,420/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,638/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,340 · Scale 2, in force from 26 Feb 2026)