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$48,687
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,202
−HK$1,538/mo
Today · 4.125%
HK$51,740
baseline
▲ 0.50% · 4.625%
HK$54,888
+HK$3,148/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,480/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,164
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,617
−HK$1,473/mo
Today · 4.125%
HK$57,090
baseline
▲ 0.50% · 4.625%
HK$60,100
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,180/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,425
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,242
−HK$1,846/mo
Today · 4.125%
HK$62,088
baseline
▲ 0.50% · 4.625%
HK$65,866
+HK$3,778/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,176/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,997
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,740
−HK$1,768/mo
Today · 4.125%
HK$68,508
baseline
▲ 0.50% · 4.625%
HK$72,119
+HK$3,611/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,016/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,162
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,282
−HK$2,154/mo
Today · 4.125%
HK$72,436
baseline
▲ 0.50% · 4.625%
HK$76,844
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,872/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,829
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,863
−HK$2,063/mo
Today · 4.125%
HK$79,926
baseline
▲ 0.50% · 4.625%
HK$84,139
+HK$4,213/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,852/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,637
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,363
−HK$2,769/mo
Today · 4.125%
HK$93,132
baseline
▲ 0.50% · 4.625%
HK$98,799
+HK$5,667/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,264/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,495
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,110
−HK$2,652/mo
Today · 4.125%
HK$102,762
baseline
▲ 0.50% · 4.625%
HK$108,179
+HK$5,417/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,524/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,160 · Scale 2, in force from 26 Feb 2026)