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$49,117
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,644
−HK$1,553/mo
Today · 4.125%
HK$52,197
baseline
▲ 0.50% · 4.625%
HK$55,373
+HK$3,176/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,394/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,642
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,107
−HK$1,487/mo
Today · 4.125%
HK$57,594
baseline
▲ 0.50% · 4.625%
HK$60,630
+HK$3,036/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,188/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,940
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,773
−HK$1,863/mo
Today · 4.125%
HK$62,636
baseline
▲ 0.50% · 4.625%
HK$66,447
+HK$3,811/mo
Deposit HK$8.62M · loan HK$12.92M · min. income ≈ HK$125,272/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,570
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,329
−HK$1,784/mo
Today · 4.125%
HK$69,113
baseline
▲ 0.50% · 4.625%
HK$72,756
+HK$3,643/mo
Deposit HK$8.62M · loan HK$12.92M · min. income ≈ HK$138,226/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,763
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,902
−HK$2,173/mo
Today · 4.125%
HK$73,075
baseline
▲ 0.50% · 4.625%
HK$77,522
+HK$4,447/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,150/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$903,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,499
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,550
−HK$2,081/mo
Today · 4.125%
HK$80,631
baseline
▲ 0.50% · 4.625%
HK$84,882
+HK$4,251/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,262/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$903,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,410
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,160
−HK$2,794/mo
Today · 4.125%
HK$93,954
baseline
▲ 0.50% · 4.625%
HK$99,671
+HK$5,717/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,908/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,355
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,993
−HK$2,676/mo
Today · 4.125%
HK$103,669
baseline
▲ 0.50% · 4.625%
HK$109,134
+HK$5,465/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,338/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,998 · Scale 2, in force from 26 Feb 2026)