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$48,601
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,113
−HK$1,536/mo
Today · 4.125%
HK$51,649
baseline
▲ 0.50% · 4.625%
HK$54,791
+HK$3,142/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,298/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,068
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,518
−HK$1,471/mo
Today · 4.125%
HK$56,989
baseline
▲ 0.50% · 4.625%
HK$59,993
+HK$3,004/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$113,978/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,321
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,135
−HK$1,843/mo
Today · 4.125%
HK$61,978
baseline
▲ 0.50% · 4.625%
HK$65,750
+HK$3,772/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,956/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,882
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,622
−HK$1,765/mo
Today · 4.125%
HK$68,387
baseline
▲ 0.50% · 4.625%
HK$71,992
+HK$3,605/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,774/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,041
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,158
−HK$2,150/mo
Today · 4.125%
HK$72,308
baseline
▲ 0.50% · 4.625%
HK$76,708
+HK$4,400/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$144,616/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,695
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,725
−HK$2,060/mo
Today · 4.125%
HK$79,785
baseline
▲ 0.50% · 4.625%
HK$83,990
+HK$4,205/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$159,570/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,482
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,203
−HK$2,764/mo
Today · 4.125%
HK$92,967
baseline
▲ 0.50% · 4.625%
HK$98,624
+HK$5,657/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$185,934/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,322
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,933
−HK$2,647/mo
Today · 4.125%
HK$102,580
baseline
▲ 0.50% · 4.625%
HK$107,988
+HK$5,408/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$205,160/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,379 · Scale 2, in force from 26 Feb 2026)