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$48,603
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,114
−HK$1,536/mo
Today · 4.125%
HK$51,650
baseline
▲ 0.50% · 4.625%
HK$54,793
+HK$3,143/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,300/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,070
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,520
−HK$1,471/mo
Today · 4.125%
HK$56,991
baseline
▲ 0.50% · 4.625%
HK$59,995
+HK$3,004/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$113,982/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,323
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,137
−HK$1,843/mo
Today · 4.125%
HK$61,980
baseline
▲ 0.50% · 4.625%
HK$65,752
+HK$3,772/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,960/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,884
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,624
−HK$1,765/mo
Today · 4.125%
HK$68,389
baseline
▲ 0.50% · 4.625%
HK$71,994
+HK$3,605/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,778/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,044
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,160
−HK$2,150/mo
Today · 4.125%
HK$72,310
baseline
▲ 0.50% · 4.625%
HK$76,710
+HK$4,400/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$144,620/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,698
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,728
−HK$2,059/mo
Today · 4.125%
HK$79,787
baseline
▲ 0.50% · 4.625%
HK$83,993
+HK$4,206/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$159,574/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,485
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,206
−HK$2,765/mo
Today · 4.125%
HK$92,971
baseline
▲ 0.50% · 4.625%
HK$98,628
+HK$5,657/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$185,942/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,326
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,936
−HK$2,648/mo
Today · 4.125%
HK$102,584
baseline
▲ 0.50% · 4.625%
HK$107,991
+HK$5,407/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$205,168/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,450 · Scale 2, in force from 26 Feb 2026)