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$48,550
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,060
−HK$1,534/mo
Today · 4.125%
HK$51,594
baseline
▲ 0.50% · 4.625%
HK$54,734
+HK$3,140/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,188/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$879,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,011
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,460
−HK$1,469/mo
Today · 4.125%
HK$56,929
baseline
▲ 0.50% · 4.625%
HK$59,930
+HK$3,001/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,858/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$879,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,260
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,072
−HK$1,841/mo
Today · 4.125%
HK$61,913
baseline
▲ 0.50% · 4.625%
HK$65,681
+HK$3,768/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$123,826/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,813
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,552
−HK$1,763/mo
Today · 4.125%
HK$68,315
baseline
▲ 0.50% · 4.625%
HK$71,916
+HK$3,601/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$136,630/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,970
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,084
−HK$2,148/mo
Today · 4.125%
HK$72,232
baseline
▲ 0.50% · 4.625%
HK$76,627
+HK$4,395/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,464/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,616
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,644
−HK$2,057/mo
Today · 4.125%
HK$79,701
baseline
▲ 0.50% · 4.625%
HK$83,902
+HK$4,201/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,402/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,390
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,108
−HK$2,762/mo
Today · 4.125%
HK$92,870
baseline
▲ 0.50% · 4.625%
HK$98,521
+HK$5,651/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,740/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,220
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,828
−HK$2,645/mo
Today · 4.125%
HK$102,473
baseline
▲ 0.50% · 4.625%
HK$107,874
+HK$5,401/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,946/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,141 · Scale 2, in force from 26 Feb 2026)