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$48,581
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,093
−HK$1,535/mo
Today · 4.125%
HK$51,628
baseline
▲ 0.50% · 4.625%
HK$54,769
+HK$3,141/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,256/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,046
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,496
−HK$1,470/mo
Today · 4.125%
HK$56,966
baseline
▲ 0.50% · 4.625%
HK$59,969
+HK$3,003/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,932/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,298
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,111
−HK$1,843/mo
Today · 4.125%
HK$61,954
baseline
▲ 0.50% · 4.625%
HK$65,723
+HK$3,769/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,908/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,856
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,595
−HK$1,765/mo
Today · 4.125%
HK$68,360
baseline
▲ 0.50% · 4.625%
HK$71,963
+HK$3,603/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,720/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,014
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,130
−HK$2,149/mo
Today · 4.125%
HK$72,279
baseline
▲ 0.50% · 4.625%
HK$76,677
+HK$4,398/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,558/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,665
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,694
−HK$2,059/mo
Today · 4.125%
HK$79,753
baseline
▲ 0.50% · 4.625%
HK$83,957
+HK$4,204/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,506/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,447
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,167
−HK$2,763/mo
Today · 4.125%
HK$92,930
baseline
▲ 0.50% · 4.625%
HK$98,585
+HK$5,655/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,860/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,283
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,893
−HK$2,646/mo
Today · 4.125%
HK$102,539
baseline
▲ 0.50% · 4.625%
HK$107,944
+HK$5,405/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$205,078/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,526 · Scale 2, in force from 26 Feb 2026)