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$48,626
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,139
−HK$1,537/mo
Today · 4.125%
HK$51,676
baseline
▲ 0.50% · 4.625%
HK$54,820
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,352/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,096
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,547
−HK$1,472/mo
Today · 4.125%
HK$57,019
baseline
▲ 0.50% · 4.625%
HK$60,025
+HK$3,006/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,038/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,352
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,167
−HK$1,844/mo
Today · 4.125%
HK$62,011
baseline
▲ 0.50% · 4.625%
HK$65,784
+HK$3,773/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$124,022/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,916
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,657
−HK$1,766/mo
Today · 4.125%
HK$68,423
baseline
▲ 0.50% · 4.625%
HK$72,029
+HK$3,606/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,846/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,077
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,195
−HK$2,151/mo
Today · 4.125%
HK$72,346
baseline
▲ 0.50% · 4.625%
HK$76,748
+HK$4,402/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,692/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,735
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,766
−HK$2,061/mo
Today · 4.125%
HK$79,827
baseline
▲ 0.50% · 4.625%
HK$84,034
+HK$4,207/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,654/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,527
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,250
−HK$2,766/mo
Today · 4.125%
HK$93,016
baseline
▲ 0.50% · 4.625%
HK$98,676
+HK$5,660/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,032/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,373
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,985
−HK$2,649/mo
Today · 4.125%
HK$102,634
baseline
▲ 0.50% · 4.625%
HK$108,044
+HK$5,410/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,268/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,497 · Scale 2, in force from 26 Feb 2026)