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$48,521
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,031
−HK$1,533/mo
Today · 4.125%
HK$51,564
baseline
▲ 0.50% · 4.625%
HK$54,702
+HK$3,138/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,128/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,979
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,427
−HK$1,469/mo
Today · 4.125%
HK$56,896
baseline
▲ 0.50% · 4.625%
HK$59,895
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,792/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,225
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,037
−HK$1,840/mo
Today · 4.125%
HK$61,877
baseline
▲ 0.50% · 4.625%
HK$65,642
+HK$3,765/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,754/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,775
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,513
−HK$1,762/mo
Today · 4.125%
HK$68,275
baseline
▲ 0.50% · 4.625%
HK$71,874
+HK$3,599/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,550/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,930
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,043
−HK$2,147/mo
Today · 4.125%
HK$72,190
baseline
▲ 0.50% · 4.625%
HK$76,582
+HK$4,392/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$144,380/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,571
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,598
−HK$2,056/mo
Today · 4.125%
HK$79,654
baseline
▲ 0.50% · 4.625%
HK$83,853
+HK$4,199/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$159,308/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,338
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,055
−HK$2,760/mo
Today · 4.125%
HK$92,815
baseline
▲ 0.50% · 4.625%
HK$98,463
+HK$5,648/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,630/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,163
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,769
−HK$2,643/mo
Today · 4.125%
HK$102,412
baseline
▲ 0.50% · 4.625%
HK$107,811
+HK$5,399/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,824/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,886 · Scale 2, in force from 26 Feb 2026)