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$48,648
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,162
−HK$1,537/mo
Today · 4.125%
HK$51,699
baseline
▲ 0.50% · 4.625%
HK$54,845
+HK$3,146/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,398/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,121
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,572
−HK$1,473/mo
Today · 4.125%
HK$57,045
baseline
▲ 0.50% · 4.625%
HK$60,052
+HK$3,007/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,090/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,378
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,194
−HK$1,845/mo
Today · 4.125%
HK$62,039
baseline
▲ 0.50% · 4.625%
HK$65,814
+HK$3,775/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,078/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,945
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,687
−HK$1,767/mo
Today · 4.125%
HK$68,454
baseline
▲ 0.50% · 4.625%
HK$72,062
+HK$3,608/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,908/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,108
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,226
−HK$2,153/mo
Today · 4.125%
HK$72,379
baseline
▲ 0.50% · 4.625%
HK$76,783
+HK$4,404/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,758/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,769
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,801
−HK$2,062/mo
Today · 4.125%
HK$79,863
baseline
▲ 0.50% · 4.625%
HK$84,072
+HK$4,209/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,726/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,567
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,291
−HK$2,767/mo
Today · 4.125%
HK$93,058
baseline
▲ 0.50% · 4.625%
HK$98,721
+HK$5,663/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,116/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,417
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,030
−HK$2,651/mo
Today · 4.125%
HK$102,681
baseline
▲ 0.50% · 4.625%
HK$108,093
+HK$5,412/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,362/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,459 · Scale 2, in force from 26 Feb 2026)