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$48,520
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,029
−HK$1,534/mo
Today · 4.125%
HK$51,563
baseline
▲ 0.50% · 4.625%
HK$54,700
+HK$3,137/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,126/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,978
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,426
−HK$1,468/mo
Today · 4.125%
HK$56,894
baseline
▲ 0.50% · 4.625%
HK$59,893
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,788/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,224
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,035
−HK$1,840/mo
Today · 4.125%
HK$61,875
baseline
▲ 0.50% · 4.625%
HK$65,640
+HK$3,765/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,750/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,774
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,511
−HK$1,762/mo
Today · 4.125%
HK$68,273
baseline
▲ 0.50% · 4.625%
HK$71,872
+HK$3,599/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,546/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,928
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,041
−HK$2,147/mo
Today · 4.125%
HK$72,188
baseline
▲ 0.50% · 4.625%
HK$76,580
+HK$4,392/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,376/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,569
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,596
−HK$2,056/mo
Today · 4.125%
HK$79,652
baseline
▲ 0.50% · 4.625%
HK$83,851
+HK$4,199/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,304/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,336
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,053
−HK$2,760/mo
Today · 4.125%
HK$92,813
baseline
▲ 0.50% · 4.625%
HK$98,460
+HK$5,647/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,626/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,161
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,767
−HK$2,643/mo
Today · 4.125%
HK$102,410
baseline
▲ 0.50% · 4.625%
HK$107,808
+HK$5,398/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,820/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,838 · Scale 2, in force from 26 Feb 2026)