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$48,503
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,012
−HK$1,532/mo
Today · 4.125%
HK$51,544
baseline
▲ 0.50% · 4.625%
HK$54,681
+HK$3,137/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,088/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$877,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,959
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,406
−HK$1,468/mo
Today · 4.125%
HK$56,874
baseline
▲ 0.50% · 4.625%
HK$59,872
+HK$2,998/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,748/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$877,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,204
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,014
−HK$1,839/mo
Today · 4.125%
HK$61,853
baseline
▲ 0.50% · 4.625%
HK$65,617
+HK$3,764/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,706/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,751
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,487
−HK$1,762/mo
Today · 4.125%
HK$68,249
baseline
▲ 0.50% · 4.625%
HK$71,847
+HK$3,598/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,498/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,904
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,016
−HK$2,146/mo
Today · 4.125%
HK$72,162
baseline
▲ 0.50% · 4.625%
HK$76,553
+HK$4,391/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,324/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,543
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,569
−HK$2,055/mo
Today · 4.125%
HK$79,624
baseline
▲ 0.50% · 4.625%
HK$83,821
+HK$4,197/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,248/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,305
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,021
−HK$2,759/mo
Today · 4.125%
HK$92,780
baseline
▲ 0.50% · 4.625%
HK$98,426
+HK$5,646/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,560/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$877,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,126
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,731
−HK$2,643/mo
Today · 4.125%
HK$102,374
baseline
▲ 0.50% · 4.625%
HK$107,770
+HK$5,396/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,748/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$877,083 · Scale 2, in force from 26 Feb 2026)