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$48,560
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,071
−HK$1,534/mo
Today · 4.125%
HK$51,605
baseline
▲ 0.50% · 4.625%
HK$54,746
+HK$3,141/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,210/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,023
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,472
−HK$1,470/mo
Today · 4.125%
HK$56,942
baseline
▲ 0.50% · 4.625%
HK$59,943
+HK$3,001/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,884/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,272
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,085
−HK$1,842/mo
Today · 4.125%
HK$61,927
baseline
▲ 0.50% · 4.625%
HK$65,695
+HK$3,768/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,854/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,827
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,566
−HK$1,764/mo
Today · 4.125%
HK$68,330
baseline
▲ 0.50% · 4.625%
HK$71,932
+HK$3,602/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,660/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,984
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,099
−HK$2,149/mo
Today · 4.125%
HK$72,248
baseline
▲ 0.50% · 4.625%
HK$76,644
+HK$4,396/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,496/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,632
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,660
−HK$2,058/mo
Today · 4.125%
HK$79,718
baseline
▲ 0.50% · 4.625%
HK$83,920
+HK$4,202/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,436/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,409
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,127
−HK$2,763/mo
Today · 4.125%
HK$92,890
baseline
▲ 0.50% · 4.625%
HK$98,542
+HK$5,652/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,780/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,241
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,849
−HK$2,646/mo
Today · 4.125%
HK$102,495
baseline
▲ 0.50% · 4.625%
HK$107,897
+HK$5,402/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$204,990/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,599 · Scale 2, in force from 26 Feb 2026)