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$48,763
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,280
−HK$1,541/mo
Today · 4.125%
HK$51,821
baseline
▲ 0.50% · 4.625%
HK$54,974
+HK$3,153/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$103,642/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,249
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,704
−HK$1,475/mo
Today · 4.125%
HK$57,179
baseline
▲ 0.50% · 4.625%
HK$60,193
+HK$3,014/mo
Deposit HK$10.69M · loan HK$10.69M · min. income ≈ HK$114,358/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$888,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,516
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,336
−HK$1,849/mo
Today · 4.125%
HK$62,185
baseline
▲ 0.50% · 4.625%
HK$65,969
+HK$3,784/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$124,370/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,098
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,844
−HK$1,771/mo
Today · 4.125%
HK$68,615
baseline
▲ 0.50% · 4.625%
HK$72,232
+HK$3,617/mo
Deposit HK$8.55M · loan HK$12.83M · min. income ≈ HK$137,230/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$888,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,269
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,392
−HK$2,158/mo
Today · 4.125%
HK$72,550
baseline
▲ 0.50% · 4.625%
HK$76,964
+HK$4,414/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,100/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,948
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,985
−HK$2,066/mo
Today · 4.125%
HK$80,051
baseline
▲ 0.50% · 4.625%
HK$84,271
+HK$4,220/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,102/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$888,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,774
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,504
−HK$2,774/mo
Today · 4.125%
HK$93,278
baseline
▲ 0.50% · 4.625%
HK$98,954
+HK$5,676/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,556/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,647
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,266
−HK$2,657/mo
Today · 4.125%
HK$102,923
baseline
▲ 0.50% · 4.625%
HK$108,348
+HK$5,425/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,846/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$888,498 · Scale 2, in force from 26 Feb 2026)