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$48,701
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,216
−HK$1,539/mo
Today · 4.125%
HK$51,755
baseline
▲ 0.50% · 4.625%
HK$54,904
+HK$3,149/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,510/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,179
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,632
−HK$1,474/mo
Today · 4.125%
HK$57,106
baseline
▲ 0.50% · 4.625%
HK$60,116
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,212/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,441
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,259
−HK$1,847/mo
Today · 4.125%
HK$62,106
baseline
▲ 0.50% · 4.625%
HK$65,885
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,212/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,015
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,759
−HK$1,768/mo
Today · 4.125%
HK$68,527
baseline
▲ 0.50% · 4.625%
HK$72,140
+HK$3,613/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,054/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,181
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,302
−HK$2,155/mo
Today · 4.125%
HK$72,457
baseline
▲ 0.50% · 4.625%
HK$76,865
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,914/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,851
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,885
−HK$2,064/mo
Today · 4.125%
HK$79,949
baseline
▲ 0.50% · 4.625%
HK$84,163
+HK$4,214/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,898/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,661
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,388
−HK$2,770/mo
Today · 4.125%
HK$93,158
baseline
▲ 0.50% · 4.625%
HK$98,827
+HK$5,669/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,316/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,522
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,138
−HK$2,653/mo
Today · 4.125%
HK$102,791
baseline
▲ 0.50% · 4.625%
HK$108,209
+HK$5,418/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,582/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,758 · Scale 2, in force from 26 Feb 2026)