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$48,706
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,221
−HK$1,540/mo
Today · 4.125%
HK$51,761
baseline
▲ 0.50% · 4.625%
HK$54,910
+HK$3,149/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,522/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,185
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,638
−HK$1,475/mo
Today · 4.125%
HK$57,113
baseline
▲ 0.50% · 4.625%
HK$60,123
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,226/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,448
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,266
−HK$1,847/mo
Today · 4.125%
HK$62,113
baseline
▲ 0.50% · 4.625%
HK$65,892
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$124,226/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,022
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,766
−HK$1,769/mo
Today · 4.125%
HK$68,535
baseline
▲ 0.50% · 4.625%
HK$72,148
+HK$3,613/mo
Deposit HK$8.54M · loan HK$12.82M · min. income ≈ HK$137,070/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,189
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,310
−HK$2,155/mo
Today · 4.125%
HK$72,465
baseline
▲ 0.50% · 4.625%
HK$76,874
+HK$4,409/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,930/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$886,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,859
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,894
−HK$2,064/mo
Today · 4.125%
HK$79,958
baseline
▲ 0.50% · 4.625%
HK$84,172
+HK$4,214/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,916/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$886,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,671
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,398
−HK$2,771/mo
Today · 4.125%
HK$93,169
baseline
▲ 0.50% · 4.625%
HK$98,838
+HK$5,669/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,338/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,533
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,149
−HK$2,654/mo
Today · 4.125%
HK$102,803
baseline
▲ 0.50% · 4.625%
HK$108,222
+HK$5,419/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,606/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,000 · Scale 2, in force from 26 Feb 2026)