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$48,629
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,142
−HK$1,537/mo
Today · 4.125%
HK$51,679
baseline
▲ 0.50% · 4.625%
HK$54,823
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,358/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,100
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,550
−HK$1,472/mo
Today · 4.125%
HK$57,022
baseline
▲ 0.50% · 4.625%
HK$60,028
+HK$3,006/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,044/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,355
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,170
−HK$1,844/mo
Today · 4.125%
HK$62,014
baseline
▲ 0.50% · 4.625%
HK$65,788
+HK$3,774/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,028/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,919
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,661
−HK$1,766/mo
Today · 4.125%
HK$68,427
baseline
▲ 0.50% · 4.625%
HK$72,034
+HK$3,607/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,854/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,081
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,199
−HK$2,151/mo
Today · 4.125%
HK$72,350
baseline
▲ 0.50% · 4.625%
HK$76,753
+HK$4,403/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,700/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,739
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,771
−HK$2,060/mo
Today · 4.125%
HK$79,831
baseline
▲ 0.50% · 4.625%
HK$84,039
+HK$4,208/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,662/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,533
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,255
−HK$2,767/mo
Today · 4.125%
HK$93,022
baseline
▲ 0.50% · 4.625%
HK$98,682
+HK$5,660/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,044/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,379
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,991
−HK$2,649/mo
Today · 4.125%
HK$102,640
baseline
▲ 0.50% · 4.625%
HK$108,051
+HK$5,411/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,280/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,623 · Scale 2, in force from 26 Feb 2026)