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$48,719
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,235
−HK$1,539/mo
Today · 4.125%
HK$51,774
baseline
▲ 0.50% · 4.625%
HK$54,925
+HK$3,151/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,548/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,199
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,653
−HK$1,475/mo
Today · 4.125%
HK$57,128
baseline
▲ 0.50% · 4.625%
HK$60,139
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,256/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,463
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,281
−HK$1,848/mo
Today · 4.125%
HK$62,129
baseline
▲ 0.50% · 4.625%
HK$65,909
+HK$3,780/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,258/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,039
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,784
−HK$1,769/mo
Today · 4.125%
HK$68,553
baseline
▲ 0.50% · 4.625%
HK$72,167
+HK$3,614/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,106/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,207
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,328
−HK$2,156/mo
Today · 4.125%
HK$72,484
baseline
▲ 0.50% · 4.625%
HK$76,894
+HK$4,410/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$144,968/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,879
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,914
−HK$2,065/mo
Today · 4.125%
HK$79,979
baseline
▲ 0.50% · 4.625%
HK$84,195
+HK$4,216/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$159,958/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,694
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,422
−HK$2,772/mo
Today · 4.125%
HK$93,194
baseline
▲ 0.50% · 4.625%
HK$98,864
+HK$5,670/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,388/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,559
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,176
−HK$2,654/mo
Today · 4.125%
HK$102,830
baseline
▲ 0.50% · 4.625%
HK$108,250
+HK$5,420/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,660/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,562 · Scale 2, in force from 26 Feb 2026)