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$48,672
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,186
−HK$1,538/mo
Today · 4.125%
HK$51,724
baseline
▲ 0.50% · 4.625%
HK$54,871
+HK$3,147/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,448/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,147
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,599
−HK$1,473/mo
Today · 4.125%
HK$57,072
baseline
▲ 0.50% · 4.625%
HK$60,081
+HK$3,009/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,144/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,406
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,223
−HK$1,846/mo
Today · 4.125%
HK$62,069
baseline
▲ 0.50% · 4.625%
HK$65,846
+HK$3,777/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,138/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,976
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,719
−HK$1,768/mo
Today · 4.125%
HK$68,487
baseline
▲ 0.50% · 4.625%
HK$72,097
+HK$3,610/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$136,974/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,141
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,260
−HK$2,154/mo
Today · 4.125%
HK$72,414
baseline
▲ 0.50% · 4.625%
HK$76,820
+HK$4,406/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,828/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,806
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,839
−HK$2,062/mo
Today · 4.125%
HK$79,901
baseline
▲ 0.50% · 4.625%
HK$84,113
+HK$4,212/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,802/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,609
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,335
−HK$2,768/mo
Today · 4.125%
HK$93,103
baseline
▲ 0.50% · 4.625%
HK$98,768
+HK$5,665/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,206/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,465
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,078
−HK$2,652/mo
Today · 4.125%
HK$102,730
baseline
▲ 0.50% · 4.625%
HK$108,145
+HK$5,415/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,460/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,491 · Scale 2, in force from 26 Feb 2026)