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$48,642
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,155
−HK$1,537/mo
Today · 4.125%
HK$51,692
baseline
▲ 0.50% · 4.625%
HK$54,837
+HK$3,145/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,384/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,113
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,565
−HK$1,472/mo
Today · 4.125%
HK$57,037
baseline
▲ 0.50% · 4.625%
HK$60,043
+HK$3,006/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,074/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$883,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,370
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,186
−HK$1,844/mo
Today · 4.125%
HK$62,030
baseline
▲ 0.50% · 4.625%
HK$65,805
+HK$3,775/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,060/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,936
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,678
−HK$1,766/mo
Today · 4.125%
HK$68,444
baseline
▲ 0.50% · 4.625%
HK$72,052
+HK$3,608/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,888/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$883,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,098
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,217
−HK$2,152/mo
Today · 4.125%
HK$72,369
baseline
▲ 0.50% · 4.625%
HK$76,772
+HK$4,403/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,738/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,759
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,790
−HK$2,062/mo
Today · 4.125%
HK$79,852
baseline
▲ 0.50% · 4.625%
HK$84,061
+HK$4,209/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,704/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$883,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,555
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,278
−HK$2,767/mo
Today · 4.125%
HK$93,045
baseline
▲ 0.50% · 4.625%
HK$98,707
+HK$5,662/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,090/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,404
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,016
−HK$2,650/mo
Today · 4.125%
HK$102,666
baseline
▲ 0.50% · 4.625%
HK$108,078
+HK$5,412/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,332/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$883,165 · Scale 2, in force from 26 Feb 2026)