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$48,654
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,168
−HK$1,537/mo
Today · 4.125%
HK$51,705
baseline
▲ 0.50% · 4.625%
HK$54,851
+HK$3,146/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,410/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,127
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,579
−HK$1,473/mo
Today · 4.125%
HK$57,052
baseline
▲ 0.50% · 4.625%
HK$60,059
+HK$3,007/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,104/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,385
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,201
−HK$1,845/mo
Today · 4.125%
HK$62,046
baseline
▲ 0.50% · 4.625%
HK$65,822
+HK$3,776/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,092/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,953
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,695
−HK$1,767/mo
Today · 4.125%
HK$68,462
baseline
▲ 0.50% · 4.625%
HK$72,071
+HK$3,609/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,924/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,116
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,235
−HK$2,152/mo
Today · 4.125%
HK$72,387
baseline
▲ 0.50% · 4.625%
HK$76,792
+HK$4,405/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,774/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,778
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,811
−HK$2,061/mo
Today · 4.125%
HK$79,872
baseline
▲ 0.50% · 4.625%
HK$84,082
+HK$4,210/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,744/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,578
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,302
−HK$2,767/mo
Today · 4.125%
HK$93,069
baseline
▲ 0.50% · 4.625%
HK$98,732
+HK$5,663/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,138/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,429
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,042
−HK$2,651/mo
Today · 4.125%
HK$102,693
baseline
▲ 0.50% · 4.625%
HK$108,106
+HK$5,413/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,386/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,716 · Scale 2, in force from 26 Feb 2026)