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$48,726
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,242
−HK$1,539/mo
Today · 4.125%
HK$51,781
baseline
▲ 0.50% · 4.625%
HK$54,932
+HK$3,151/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,562/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,207
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,661
−HK$1,475/mo
Today · 4.125%
HK$57,136
baseline
▲ 0.50% · 4.625%
HK$60,147
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,272/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,471
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,290
−HK$1,848/mo
Today · 4.125%
HK$62,138
baseline
▲ 0.50% · 4.625%
HK$65,919
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,276/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,049
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,793
−HK$1,770/mo
Today · 4.125%
HK$68,563
baseline
▲ 0.50% · 4.625%
HK$72,177
+HK$3,614/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,126/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,216
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,338
−HK$2,156/mo
Today · 4.125%
HK$72,494
baseline
▲ 0.50% · 4.625%
HK$76,905
+HK$4,411/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$144,988/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,890
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,925
−HK$2,065/mo
Today · 4.125%
HK$79,990
baseline
▲ 0.50% · 4.625%
HK$84,206
+HK$4,216/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$159,980/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,707
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,435
−HK$2,772/mo
Today · 4.125%
HK$93,207
baseline
▲ 0.50% · 4.625%
HK$98,878
+HK$5,671/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,414/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,573
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,190
−HK$2,654/mo
Today · 4.125%
HK$102,844
baseline
▲ 0.50% · 4.625%
HK$108,265
+HK$5,421/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,688/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,862 · Scale 2, in force from 26 Feb 2026)