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$48,524
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,034
−HK$1,533/mo
Today · 4.125%
HK$51,567
baseline
▲ 0.50% · 4.625%
HK$54,705
+HK$3,138/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,134/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,983
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,431
−HK$1,469/mo
Today · 4.125%
HK$56,900
baseline
▲ 0.50% · 4.625%
HK$59,899
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,800/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,229
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,041
−HK$1,840/mo
Today · 4.125%
HK$61,881
baseline
▲ 0.50% · 4.625%
HK$65,646
+HK$3,765/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,762/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,780
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,517
−HK$1,762/mo
Today · 4.125%
HK$68,279
baseline
▲ 0.50% · 4.625%
HK$71,879
+HK$3,600/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,558/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,934
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,047
−HK$2,147/mo
Today · 4.125%
HK$72,194
baseline
▲ 0.50% · 4.625%
HK$76,587
+HK$4,393/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$144,388/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,576
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,603
−HK$2,056/mo
Today · 4.125%
HK$79,659
baseline
▲ 0.50% · 4.625%
HK$83,858
+HK$4,199/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$159,318/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,344
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,061
−HK$2,760/mo
Today · 4.125%
HK$92,821
baseline
▲ 0.50% · 4.625%
HK$98,469
+HK$5,648/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,642/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,169
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,775
−HK$2,644/mo
Today · 4.125%
HK$102,419
baseline
▲ 0.50% · 4.625%
HK$107,818
+HK$5,399/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,838/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,028 · Scale 2, in force from 26 Feb 2026)