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$48,585
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,096
−HK$1,535/mo
Today · 4.125%
HK$51,631
baseline
▲ 0.50% · 4.625%
HK$54,773
+HK$3,142/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,262/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,050
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,500
−HK$1,470/mo
Today · 4.125%
HK$56,970
baseline
▲ 0.50% · 4.625%
HK$59,973
+HK$3,003/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,940/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,302
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,115
−HK$1,843/mo
Today · 4.125%
HK$61,958
baseline
▲ 0.50% · 4.625%
HK$65,728
+HK$3,770/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,916/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,860
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,600
−HK$1,764/mo
Today · 4.125%
HK$68,364
baseline
▲ 0.50% · 4.625%
HK$71,968
+HK$3,604/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,728/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,019
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,134
−HK$2,150/mo
Today · 4.125%
HK$72,284
baseline
▲ 0.50% · 4.625%
HK$76,682
+HK$4,398/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,568/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,670
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,700
−HK$2,058/mo
Today · 4.125%
HK$79,758
baseline
▲ 0.50% · 4.625%
HK$83,962
+HK$4,204/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,516/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,453
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,173
−HK$2,764/mo
Today · 4.125%
HK$92,937
baseline
▲ 0.50% · 4.625%
HK$98,592
+HK$5,655/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$185,874/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,290
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,899
−HK$2,647/mo
Today · 4.125%
HK$102,546
baseline
▲ 0.50% · 4.625%
HK$107,952
+HK$5,406/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$205,092/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,671 · Scale 2, in force from 26 Feb 2026)