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$48,646
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,159
−HK$1,537/mo
Today · 4.125%
HK$51,696
baseline
▲ 0.50% · 4.625%
HK$54,842
+HK$3,146/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,392/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,118
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,569
−HK$1,472/mo
Today · 4.125%
HK$57,041
baseline
▲ 0.50% · 4.625%
HK$60,048
+HK$3,007/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,082/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,375
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,190
−HK$1,845/mo
Today · 4.125%
HK$62,035
baseline
▲ 0.50% · 4.625%
HK$65,810
+HK$3,775/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,070/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,941
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,683
−HK$1,767/mo
Today · 4.125%
HK$68,450
baseline
▲ 0.50% · 4.625%
HK$72,058
+HK$3,608/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,900/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,104
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,222
−HK$2,152/mo
Today · 4.125%
HK$72,374
baseline
▲ 0.50% · 4.625%
HK$76,778
+HK$4,404/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,748/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,765
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,797
−HK$2,061/mo
Today · 4.125%
HK$79,858
baseline
▲ 0.50% · 4.625%
HK$84,068
+HK$4,210/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,716/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,562
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,286
−HK$2,767/mo
Today · 4.125%
HK$93,053
baseline
▲ 0.50% · 4.625%
HK$98,715
+HK$5,662/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,106/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,412
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,024
−HK$2,651/mo
Today · 4.125%
HK$102,675
baseline
▲ 0.50% · 4.625%
HK$108,087
+HK$5,412/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,350/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,337 · Scale 2, in force from 26 Feb 2026)