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$48,574
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,085
−HK$1,535/mo
Today · 4.125%
HK$51,620
baseline
▲ 0.50% · 4.625%
HK$54,761
+HK$3,141/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,240/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,038
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,487
−HK$1,471/mo
Today · 4.125%
HK$56,958
baseline
▲ 0.50% · 4.625%
HK$59,960
+HK$3,002/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,916/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,289
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,102
−HK$1,842/mo
Today · 4.125%
HK$61,944
baseline
▲ 0.50% · 4.625%
HK$65,713
+HK$3,769/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,888/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,846
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,585
−HK$1,764/mo
Today · 4.125%
HK$68,349
baseline
▲ 0.50% · 4.625%
HK$71,952
+HK$3,603/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,698/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,004
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,119
−HK$2,149/mo
Today · 4.125%
HK$72,268
baseline
▲ 0.50% · 4.625%
HK$76,665
+HK$4,397/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,536/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,653
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,682
−HK$2,059/mo
Today · 4.125%
HK$79,741
baseline
▲ 0.50% · 4.625%
HK$83,944
+HK$4,203/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,482/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,433
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,153
−HK$2,763/mo
Today · 4.125%
HK$92,916
baseline
▲ 0.50% · 4.625%
HK$98,570
+HK$5,654/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,832/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,269
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,877
−HK$2,647/mo
Today · 4.125%
HK$102,524
baseline
▲ 0.50% · 4.625%
HK$107,928
+HK$5,404/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$205,048/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,202 · Scale 2, in force from 26 Feb 2026)