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$48,571
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,082
−HK$1,535/mo
Today · 4.125%
HK$51,617
baseline
▲ 0.50% · 4.625%
HK$54,758
+HK$3,141/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,234/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,035
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,484
−HK$1,471/mo
Today · 4.125%
HK$56,955
baseline
▲ 0.50% · 4.625%
HK$59,957
+HK$3,002/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,910/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,286
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,099
−HK$1,842/mo
Today · 4.125%
HK$61,941
baseline
▲ 0.50% · 4.625%
HK$65,710
+HK$3,769/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,882/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,842
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,581
−HK$1,764/mo
Today · 4.125%
HK$68,345
baseline
▲ 0.50% · 4.625%
HK$71,948
+HK$3,603/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,690/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,000
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,115
−HK$2,149/mo
Today · 4.125%
HK$72,264
baseline
▲ 0.50% · 4.625%
HK$76,661
+HK$4,397/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,528/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,649
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,678
−HK$2,058/mo
Today · 4.125%
HK$79,736
baseline
▲ 0.50% · 4.625%
HK$83,939
+HK$4,203/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,472/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,428
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,148
−HK$2,763/mo
Today · 4.125%
HK$92,911
baseline
▲ 0.50% · 4.625%
HK$98,564
+HK$5,653/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,822/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,263
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,872
−HK$2,646/mo
Today · 4.125%
HK$102,518
baseline
▲ 0.50% · 4.625%
HK$107,922
+HK$5,404/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$205,036/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,084 · Scale 2, in force from 26 Feb 2026)