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$48,561
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,072
−HK$1,534/mo
Today · 4.125%
HK$51,606
baseline
▲ 0.50% · 4.625%
HK$54,746
+HK$3,140/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,212/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,024
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,473
−HK$1,469/mo
Today · 4.125%
HK$56,942
baseline
▲ 0.50% · 4.625%
HK$59,944
+HK$3,002/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,884/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,273
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,086
−HK$1,842/mo
Today · 4.125%
HK$61,928
baseline
▲ 0.50% · 4.625%
HK$65,696
+HK$3,768/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,856/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,828
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,567
−HK$1,764/mo
Today · 4.125%
HK$68,331
baseline
▲ 0.50% · 4.625%
HK$71,933
+HK$3,602/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,662/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,985
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,100
−HK$2,149/mo
Today · 4.125%
HK$72,249
baseline
▲ 0.50% · 4.625%
HK$76,645
+HK$4,396/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,498/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,633
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,662
−HK$2,057/mo
Today · 4.125%
HK$79,719
baseline
▲ 0.50% · 4.625%
HK$83,921
+HK$4,202/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,438/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,410
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,129
−HK$2,762/mo
Today · 4.125%
HK$92,891
baseline
▲ 0.50% · 4.625%
HK$98,543
+HK$5,652/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,782/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,243
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,851
−HK$2,645/mo
Today · 4.125%
HK$102,496
baseline
▲ 0.50% · 4.625%
HK$107,899
+HK$5,403/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$204,992/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,631 · Scale 2, in force from 26 Feb 2026)