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$48,728
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,244
−HK$1,540/mo
Today · 4.125%
HK$51,784
baseline
▲ 0.50% · 4.625%
HK$54,935
+HK$3,151/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,568/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,210
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,664
−HK$1,474/mo
Today · 4.125%
HK$57,138
baseline
▲ 0.50% · 4.625%
HK$60,150
+HK$3,012/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,276/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,474
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,293
−HK$1,848/mo
Today · 4.125%
HK$62,141
baseline
▲ 0.50% · 4.625%
HK$65,922
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,282/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,052
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,796
−HK$1,770/mo
Today · 4.125%
HK$68,566
baseline
▲ 0.50% · 4.625%
HK$72,180
+HK$3,614/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,132/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,219
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,342
−HK$2,155/mo
Today · 4.125%
HK$72,497
baseline
▲ 0.50% · 4.625%
HK$76,909
+HK$4,412/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$144,994/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,894
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,929
−HK$2,065/mo
Today · 4.125%
HK$79,994
baseline
▲ 0.50% · 4.625%
HK$84,210
+HK$4,216/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$159,988/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,711
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,439
−HK$2,772/mo
Today · 4.125%
HK$93,211
baseline
▲ 0.50% · 4.625%
HK$98,883
+HK$5,672/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,422/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,577
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,194
−HK$2,655/mo
Today · 4.125%
HK$102,849
baseline
▲ 0.50% · 4.625%
HK$108,270
+HK$5,421/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,698/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,962 · Scale 2, in force from 26 Feb 2026)