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$48,554
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,064
−HK$1,534/mo
Today · 4.125%
HK$51,598
baseline
▲ 0.50% · 4.625%
HK$54,738
+HK$3,140/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,196/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,016
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,464
−HK$1,470/mo
Today · 4.125%
HK$56,934
baseline
▲ 0.50% · 4.625%
HK$59,935
+HK$3,001/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,868/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,264
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,077
−HK$1,841/mo
Today · 4.125%
HK$61,918
baseline
▲ 0.50% · 4.625%
HK$65,686
+HK$3,768/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,836/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,819
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,557
−HK$1,764/mo
Today · 4.125%
HK$68,321
baseline
▲ 0.50% · 4.625%
HK$71,922
+HK$3,601/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,642/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,975
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,090
−HK$2,148/mo
Today · 4.125%
HK$72,238
baseline
▲ 0.50% · 4.625%
HK$76,633
+HK$4,395/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,476/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,622
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,650
−HK$2,057/mo
Today · 4.125%
HK$79,707
baseline
▲ 0.50% · 4.625%
HK$83,909
+HK$4,202/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,414/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,397
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,115
−HK$2,762/mo
Today · 4.125%
HK$92,877
baseline
▲ 0.50% · 4.625%
HK$98,529
+HK$5,652/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,754/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,228
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,836
−HK$2,645/mo
Today · 4.125%
HK$102,481
baseline
▲ 0.50% · 4.625%
HK$107,883
+HK$5,402/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,962/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,311 · Scale 2, in force from 26 Feb 2026)