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$48,657
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,171
−HK$1,537/mo
Today · 4.125%
HK$51,708
baseline
▲ 0.50% · 4.625%
HK$54,855
+HK$3,147/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,416/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,131
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,582
−HK$1,473/mo
Today · 4.125%
HK$57,055
baseline
▲ 0.50% · 4.625%
HK$60,063
+HK$3,008/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,110/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,389
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,205
−HK$1,845/mo
Today · 4.125%
HK$62,050
baseline
▲ 0.50% · 4.625%
HK$65,826
+HK$3,776/mo
Deposit HK$8.54M · loan HK$12.80M · min. income ≈ HK$124,100/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,957
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,699
−HK$1,767/mo
Today · 4.125%
HK$68,466
baseline
▲ 0.50% · 4.625%
HK$72,075
+HK$3,609/mo
Deposit HK$8.54M · loan HK$12.80M · min. income ≈ HK$136,932/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,120
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,239
−HK$2,153/mo
Today · 4.125%
HK$72,392
baseline
▲ 0.50% · 4.625%
HK$76,797
+HK$4,405/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,784/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$883,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,783
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,815
−HK$2,062/mo
Today · 4.125%
HK$79,877
baseline
▲ 0.50% · 4.625%
HK$84,088
+HK$4,211/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,754/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$883,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,583
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,307
−HK$2,768/mo
Today · 4.125%
HK$93,075
baseline
▲ 0.50% · 4.625%
HK$98,738
+HK$5,663/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,150/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,435
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,048
−HK$2,651/mo
Today · 4.125%
HK$102,699
baseline
▲ 0.50% · 4.625%
HK$108,113
+HK$5,414/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,398/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,846 · Scale 2, in force from 26 Feb 2026)