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$48,552
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,063
−HK$1,534/mo
Today · 4.125%
HK$51,597
baseline
▲ 0.50% · 4.625%
HK$54,736
+HK$3,139/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,194/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,014
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,463
−HK$1,469/mo
Today · 4.125%
HK$56,932
baseline
▲ 0.50% · 4.625%
HK$59,933
+HK$3,001/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,864/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,263
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,075
−HK$1,841/mo
Today · 4.125%
HK$61,916
baseline
▲ 0.50% · 4.625%
HK$65,684
+HK$3,768/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,832/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,817
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,555
−HK$1,764/mo
Today · 4.125%
HK$68,319
baseline
▲ 0.50% · 4.625%
HK$71,920
+HK$3,601/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,638/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,973
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,088
−HK$2,148/mo
Today · 4.125%
HK$72,236
baseline
▲ 0.50% · 4.625%
HK$76,631
+HK$4,395/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,472/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,619
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,648
−HK$2,057/mo
Today · 4.125%
HK$79,705
baseline
▲ 0.50% · 4.625%
HK$83,906
+HK$4,201/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,410/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,394
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,113
−HK$2,761/mo
Today · 4.125%
HK$92,874
baseline
▲ 0.50% · 4.625%
HK$98,526
+HK$5,652/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,748/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,225
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,833
−HK$2,645/mo
Today · 4.125%
HK$102,478
baseline
▲ 0.50% · 4.625%
HK$107,880
+HK$5,402/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,956/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,246 · Scale 2, in force from 26 Feb 2026)