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$48,531
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,041
−HK$1,533/mo
Today · 4.125%
HK$51,574
baseline
▲ 0.50% · 4.625%
HK$54,713
+HK$3,139/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,148/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,990
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,438
−HK$1,469/mo
Today · 4.125%
HK$56,907
baseline
▲ 0.50% · 4.625%
HK$59,907
+HK$3,000/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,814/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,237
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,049
−HK$1,840/mo
Today · 4.125%
HK$61,889
baseline
▲ 0.50% · 4.625%
HK$65,655
+HK$3,766/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,778/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,788
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,526
−HK$1,763/mo
Today · 4.125%
HK$68,289
baseline
▲ 0.50% · 4.625%
HK$71,888
+HK$3,599/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,578/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,943
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,057
−HK$2,147/mo
Today · 4.125%
HK$72,204
baseline
▲ 0.50% · 4.625%
HK$76,598
+HK$4,394/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$144,408/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,586
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,614
−HK$2,056/mo
Today · 4.125%
HK$79,670
baseline
▲ 0.50% · 4.625%
HK$83,870
+HK$4,200/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$159,340/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,356
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,073
−HK$2,761/mo
Today · 4.125%
HK$92,834
baseline
▲ 0.50% · 4.625%
HK$98,483
+HK$5,649/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,668/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,183
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,789
−HK$2,644/mo
Today · 4.125%
HK$102,433
baseline
▲ 0.50% · 4.625%
HK$107,832
+HK$5,399/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,866/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,316 · Scale 2, in force from 26 Feb 2026)