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$48,823
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,342
−HK$1,543/mo
Today · 4.125%
HK$51,885
baseline
▲ 0.50% · 4.625%
HK$55,042
+HK$3,157/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,770/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,315
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,772
−HK$1,478/mo
Today · 4.125%
HK$57,250
baseline
▲ 0.50% · 4.625%
HK$60,268
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,500/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,588
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,410
−HK$1,852/mo
Today · 4.125%
HK$62,262
baseline
▲ 0.50% · 4.625%
HK$66,050
+HK$3,788/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$124,524/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,178
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,927
−HK$1,773/mo
Today · 4.125%
HK$68,700
baseline
▲ 0.50% · 4.625%
HK$72,321
+HK$3,621/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$137,400/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,353
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,479
−HK$2,160/mo
Today · 4.125%
HK$72,639
baseline
▲ 0.50% · 4.625%
HK$77,059
+HK$4,420/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,278/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,042
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,081
−HK$2,069/mo
Today · 4.125%
HK$80,150
baseline
▲ 0.50% · 4.625%
HK$84,375
+HK$4,225/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,300/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,882
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,616
−HK$2,777/mo
Today · 4.125%
HK$93,393
baseline
▲ 0.50% · 4.625%
HK$99,076
+HK$5,683/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,786/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,768
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,390
−HK$2,660/mo
Today · 4.125%
HK$103,050
baseline
▲ 0.50% · 4.625%
HK$108,482
+HK$5,432/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,100/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,131 · Scale 2, in force from 26 Feb 2026)