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$48,580
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,092
−HK$1,535/mo
Today · 4.125%
HK$51,627
baseline
▲ 0.50% · 4.625%
HK$54,768
+HK$3,141/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,254/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,045
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,495
−HK$1,470/mo
Today · 4.125%
HK$56,965
baseline
▲ 0.50% · 4.625%
HK$59,968
+HK$3,003/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,930/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,297
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,110
−HK$1,842/mo
Today · 4.125%
HK$61,952
baseline
▲ 0.50% · 4.625%
HK$65,722
+HK$3,770/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,904/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,854
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,594
−HK$1,764/mo
Today · 4.125%
HK$68,358
baseline
▲ 0.50% · 4.625%
HK$71,961
+HK$3,603/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,716/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,013
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,128
−HK$2,150/mo
Today · 4.125%
HK$72,278
baseline
▲ 0.50% · 4.625%
HK$76,676
+HK$4,398/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,556/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,663
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,693
−HK$2,058/mo
Today · 4.125%
HK$79,751
baseline
▲ 0.50% · 4.625%
HK$83,955
+HK$4,204/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,502/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,445
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,165
−HK$2,763/mo
Today · 4.125%
HK$92,928
baseline
▲ 0.50% · 4.625%
HK$98,583
+HK$5,655/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,856/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,282
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,891
−HK$2,646/mo
Today · 4.125%
HK$102,537
baseline
▲ 0.50% · 4.625%
HK$107,942
+HK$5,405/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$205,074/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,483 · Scale 2, in force from 26 Feb 2026)