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$48,595
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,106
−HK$1,536/mo
Today · 4.125%
HK$51,642
baseline
▲ 0.50% · 4.625%
HK$54,784
+HK$3,142/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,284/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,061
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,511
−HK$1,471/mo
Today · 4.125%
HK$56,982
baseline
▲ 0.50% · 4.625%
HK$59,985
+HK$3,003/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$113,964/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,314
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,127
−HK$1,843/mo
Today · 4.125%
HK$61,970
baseline
▲ 0.50% · 4.625%
HK$65,741
+HK$3,771/mo
Deposit HK$8.52M · loan HK$12.79M · min. income ≈ HK$123,940/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,873
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,613
−HK$1,765/mo
Today · 4.125%
HK$68,378
baseline
▲ 0.50% · 4.625%
HK$71,983
+HK$3,605/mo
Deposit HK$8.52M · loan HK$12.79M · min. income ≈ HK$136,756/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,033
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,149
−HK$2,150/mo
Today · 4.125%
HK$72,299
baseline
▲ 0.50% · 4.625%
HK$76,698
+HK$4,399/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$144,598/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$881,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,686
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,715
−HK$2,060/mo
Today · 4.125%
HK$79,775
baseline
▲ 0.50% · 4.625%
HK$83,980
+HK$4,205/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$159,550/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$881,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,470
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,191
−HK$2,765/mo
Today · 4.125%
HK$92,956
baseline
▲ 0.50% · 4.625%
HK$98,612
+HK$5,656/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$185,912/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,310
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,920
−HK$2,647/mo
Today · 4.125%
HK$102,567
baseline
▲ 0.50% · 4.625%
HK$107,974
+HK$5,407/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$205,134/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,106 · Scale 2, in force from 26 Feb 2026)