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$48,619
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,131
−HK$1,536/mo
Today · 4.125%
HK$51,667
baseline
▲ 0.50% · 4.625%
HK$54,811
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,334/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,088
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,538
−HK$1,472/mo
Today · 4.125%
HK$57,010
baseline
▲ 0.50% · 4.625%
HK$60,015
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,020/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,342
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,157
−HK$1,844/mo
Today · 4.125%
HK$62,001
baseline
▲ 0.50% · 4.625%
HK$65,774
+HK$3,773/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$124,002/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,905
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,646
−HK$1,766/mo
Today · 4.125%
HK$68,412
baseline
▲ 0.50% · 4.625%
HK$72,018
+HK$3,606/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,824/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,066
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,183
−HK$2,151/mo
Today · 4.125%
HK$72,334
baseline
▲ 0.50% · 4.625%
HK$76,736
+HK$4,402/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,668/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,723
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,754
−HK$2,060/mo
Today · 4.125%
HK$79,814
baseline
▲ 0.50% · 4.625%
HK$84,021
+HK$4,207/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,628/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,514
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,236
−HK$2,765/mo
Today · 4.125%
HK$93,001
baseline
▲ 0.50% · 4.625%
HK$98,660
+HK$5,659/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,002/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,358
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,969
−HK$2,649/mo
Today · 4.125%
HK$102,618
baseline
▲ 0.50% · 4.625%
HK$108,027
+HK$5,409/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,236/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,158 · Scale 2, in force from 26 Feb 2026)