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$48,590
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,101
−HK$1,536/mo
Today · 4.125%
HK$51,637
baseline
▲ 0.50% · 4.625%
HK$54,779
+HK$3,142/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,274/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$880,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,056
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,505
−HK$1,471/mo
Today · 4.125%
HK$56,976
baseline
▲ 0.50% · 4.625%
HK$59,979
+HK$3,003/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,952/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$880,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,308
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,121
−HK$1,843/mo
Today · 4.125%
HK$61,964
baseline
▲ 0.50% · 4.625%
HK$65,734
+HK$3,770/mo
Deposit HK$8.52M · loan HK$12.79M · min. income ≈ HK$123,928/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,867
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,606
−HK$1,765/mo
Today · 4.125%
HK$68,371
baseline
▲ 0.50% · 4.625%
HK$71,975
+HK$3,604/mo
Deposit HK$8.52M · loan HK$12.79M · min. income ≈ HK$136,742/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,026
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,142
−HK$2,149/mo
Today · 4.125%
HK$72,291
baseline
▲ 0.50% · 4.625%
HK$76,690
+HK$4,399/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$144,582/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,678
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,707
−HK$2,059/mo
Today · 4.125%
HK$79,766
baseline
▲ 0.50% · 4.625%
HK$83,971
+HK$4,205/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$159,532/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,461
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,182
−HK$2,764/mo
Today · 4.125%
HK$92,946
baseline
▲ 0.50% · 4.625%
HK$98,602
+HK$5,656/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$185,892/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,300
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,909
−HK$2,648/mo
Today · 4.125%
HK$102,557
baseline
▲ 0.50% · 4.625%
HK$107,963
+HK$5,406/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$205,114/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,887 · Scale 2, in force from 26 Feb 2026)