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$48,567
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,078
−HK$1,535/mo
Today · 4.125%
HK$51,613
baseline
▲ 0.50% · 4.625%
HK$54,753
+HK$3,140/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,226/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,030
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,479
−HK$1,470/mo
Today · 4.125%
HK$56,949
baseline
▲ 0.50% · 4.625%
HK$59,951
+HK$3,002/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,898/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,280
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,093
−HK$1,842/mo
Today · 4.125%
HK$61,935
baseline
▲ 0.50% · 4.625%
HK$65,704
+HK$3,769/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,870/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,836
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,575
−HK$1,764/mo
Today · 4.125%
HK$68,339
baseline
▲ 0.50% · 4.625%
HK$71,942
+HK$3,603/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,678/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,994
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,109
−HK$2,149/mo
Today · 4.125%
HK$72,258
baseline
▲ 0.50% · 4.625%
HK$76,654
+HK$4,396/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,516/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,642
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,671
−HK$2,058/mo
Today · 4.125%
HK$79,729
baseline
▲ 0.50% · 4.625%
HK$83,932
+HK$4,203/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,458/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,421
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,140
−HK$2,763/mo
Today · 4.125%
HK$92,903
baseline
▲ 0.50% · 4.625%
HK$98,556
+HK$5,653/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,806/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,255
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,863
−HK$2,646/mo
Today · 4.125%
HK$102,509
baseline
▲ 0.50% · 4.625%
HK$107,912
+HK$5,403/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$205,018/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,895 · Scale 2, in force from 26 Feb 2026)