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$48,744
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,261
−HK$1,540/mo
Today · 4.125%
HK$51,801
baseline
▲ 0.50% · 4.625%
HK$54,953
+HK$3,152/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,602/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,228
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,682
−HK$1,475/mo
Today · 4.125%
HK$57,157
baseline
▲ 0.50% · 4.625%
HK$60,170
+HK$3,013/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,314/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$887,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,493
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,313
−HK$1,848/mo
Today · 4.125%
HK$62,161
baseline
▲ 0.50% · 4.625%
HK$65,944
+HK$3,783/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,322/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,073
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,818
−HK$1,771/mo
Today · 4.125%
HK$68,589
baseline
▲ 0.50% · 4.625%
HK$72,204
+HK$3,615/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,178/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$887,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,242
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,365
−HK$2,156/mo
Today · 4.125%
HK$72,521
baseline
▲ 0.50% · 4.625%
HK$76,934
+HK$4,413/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$145,042/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,919
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,955
−HK$2,065/mo
Today · 4.125%
HK$80,020
baseline
▲ 0.50% · 4.625%
HK$84,238
+HK$4,218/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$160,040/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$887,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,740
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,469
−HK$2,773/mo
Today · 4.125%
HK$93,242
baseline
▲ 0.50% · 4.625%
HK$98,915
+HK$5,673/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$186,484/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,610
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,228
−HK$2,655/mo
Today · 4.125%
HK$102,883
baseline
▲ 0.50% · 4.625%
HK$108,306
+HK$5,423/mo
Deposit HK$2.14M · loan HK$19.24M · min. income ≈ HK$205,766/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$887,670 · Scale 2, in force from 26 Feb 2026)