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$48,662
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,176
−HK$1,538/mo
Today · 4.125%
HK$51,714
baseline
▲ 0.50% · 4.625%
HK$54,860
+HK$3,146/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,428/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$884,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,136
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,588
−HK$1,473/mo
Today · 4.125%
HK$57,061
baseline
▲ 0.50% · 4.625%
HK$60,069
+HK$3,008/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,122/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$884,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,395
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,211
−HK$1,846/mo
Today · 4.125%
HK$62,057
baseline
▲ 0.50% · 4.625%
HK$65,832
+HK$3,775/mo
Deposit HK$8.54M · loan HK$12.80M · min. income ≈ HK$124,114/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,963
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,706
−HK$1,767/mo
Today · 4.125%
HK$68,473
baseline
▲ 0.50% · 4.625%
HK$72,083
+HK$3,610/mo
Deposit HK$8.54M · loan HK$12.80M · min. income ≈ HK$136,946/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,127
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,246
−HK$2,153/mo
Today · 4.125%
HK$72,399
baseline
▲ 0.50% · 4.625%
HK$76,805
+HK$4,406/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,798/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,791
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,823
−HK$2,062/mo
Today · 4.125%
HK$79,885
baseline
▲ 0.50% · 4.625%
HK$84,096
+HK$4,211/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,770/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,592
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,317
−HK$2,768/mo
Today · 4.125%
HK$93,085
baseline
▲ 0.50% · 4.625%
HK$98,749
+HK$5,664/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,170/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,445
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,059
−HK$2,651/mo
Today · 4.125%
HK$102,710
baseline
▲ 0.50% · 4.625%
HK$108,124
+HK$5,414/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,420/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,068 · Scale 2, in force from 26 Feb 2026)