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$48,616
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,128
−HK$1,537/mo
Today · 4.125%
HK$51,665
baseline
▲ 0.50% · 4.625%
HK$54,809
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,330/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,085
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,536
−HK$1,471/mo
Today · 4.125%
HK$57,007
baseline
▲ 0.50% · 4.625%
HK$60,012
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,014/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,339
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,154
−HK$1,844/mo
Today · 4.125%
HK$61,998
baseline
▲ 0.50% · 4.625%
HK$65,770
+HK$3,772/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,996/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,902
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,643
−HK$1,766/mo
Today · 4.125%
HK$68,409
baseline
▲ 0.50% · 4.625%
HK$72,014
+HK$3,605/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,818/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,063
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,180
−HK$2,151/mo
Today · 4.125%
HK$72,331
baseline
▲ 0.50% · 4.625%
HK$76,732
+HK$4,401/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$144,662/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,719
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,750
−HK$2,060/mo
Today · 4.125%
HK$79,810
baseline
▲ 0.50% · 4.625%
HK$84,017
+HK$4,207/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$159,620/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,509
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,231
−HK$2,766/mo
Today · 4.125%
HK$92,997
baseline
▲ 0.50% · 4.625%
HK$98,655
+HK$5,658/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$185,994/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,353
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,964
−HK$2,649/mo
Today · 4.125%
HK$102,613
baseline
▲ 0.50% · 4.625%
HK$108,022
+HK$5,409/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,226/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,052 · Scale 2, in force from 26 Feb 2026)