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$48,588
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,100
−HK$1,535/mo
Today · 4.125%
HK$51,635
baseline
▲ 0.50% · 4.625%
HK$54,777
+HK$3,142/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,270/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,054
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,504
−HK$1,470/mo
Today · 4.125%
HK$56,974
baseline
▲ 0.50% · 4.625%
HK$59,978
+HK$3,004/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,948/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,306
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,120
−HK$1,842/mo
Today · 4.125%
HK$61,962
baseline
▲ 0.50% · 4.625%
HK$65,733
+HK$3,771/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,924/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,865
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,605
−HK$1,764/mo
Today · 4.125%
HK$68,369
baseline
▲ 0.50% · 4.625%
HK$71,973
+HK$3,604/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,738/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,024
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,140
−HK$2,149/mo
Today · 4.125%
HK$72,289
baseline
▲ 0.50% · 4.625%
HK$76,688
+HK$4,399/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$144,578/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,676
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,705
−HK$2,059/mo
Today · 4.125%
HK$79,764
baseline
▲ 0.50% · 4.625%
HK$83,969
+HK$4,205/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$159,528/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,459
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,179
−HK$2,764/mo
Today · 4.125%
HK$92,943
baseline
▲ 0.50% · 4.625%
HK$98,599
+HK$5,656/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$185,886/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,297
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,907
−HK$2,647/mo
Today · 4.125%
HK$102,554
baseline
▲ 0.50% · 4.625%
HK$107,960
+HK$5,406/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$205,108/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,829 · Scale 2, in force from 26 Feb 2026)