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$48,541
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,051
−HK$1,534/mo
Today · 4.125%
HK$51,585
baseline
▲ 0.50% · 4.625%
HK$54,724
+HK$3,139/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,170/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,002
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,450
−HK$1,469/mo
Today · 4.125%
HK$56,919
baseline
▲ 0.50% · 4.625%
HK$59,919
+HK$3,000/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,838/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,249
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,061
−HK$1,841/mo
Today · 4.125%
HK$61,902
baseline
▲ 0.50% · 4.625%
HK$65,669
+HK$3,767/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$123,804/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,802
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,540
−HK$1,763/mo
Today · 4.125%
HK$68,303
baseline
▲ 0.50% · 4.625%
HK$71,903
+HK$3,600/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$136,606/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,958
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,072
−HK$2,147/mo
Today · 4.125%
HK$72,219
baseline
▲ 0.50% · 4.625%
HK$76,614
+HK$4,395/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,438/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$878,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,602
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,630
−HK$2,057/mo
Today · 4.125%
HK$79,687
baseline
▲ 0.50% · 4.625%
HK$83,887
+HK$4,200/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,374/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$878,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,374
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,092
−HK$2,761/mo
Today · 4.125%
HK$92,853
baseline
▲ 0.50% · 4.625%
HK$98,503
+HK$5,650/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,706/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,203
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,810
−HK$2,644/mo
Today · 4.125%
HK$102,454
baseline
▲ 0.50% · 4.625%
HK$107,855
+HK$5,401/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,908/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,760 · Scale 2, in force from 26 Feb 2026)