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$48,591
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,102
−HK$1,536/mo
Today · 4.125%
HK$51,638
baseline
▲ 0.50% · 4.625%
HK$54,780
+HK$3,142/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,276/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$880,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,057
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,507
−HK$1,470/mo
Today · 4.125%
HK$56,977
baseline
▲ 0.50% · 4.625%
HK$59,981
+HK$3,004/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,954/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$880,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,309
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,123
−HK$1,843/mo
Today · 4.125%
HK$61,966
baseline
▲ 0.50% · 4.625%
HK$65,736
+HK$3,770/mo
Deposit HK$8.52M · loan HK$12.79M · min. income ≈ HK$123,932/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,868
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,608
−HK$1,765/mo
Today · 4.125%
HK$68,373
baseline
▲ 0.50% · 4.625%
HK$71,977
+HK$3,604/mo
Deposit HK$8.52M · loan HK$12.79M · min. income ≈ HK$136,746/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,027
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,143
−HK$2,150/mo
Today · 4.125%
HK$72,293
baseline
▲ 0.50% · 4.625%
HK$76,692
+HK$4,399/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$144,586/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,680
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,709
−HK$2,059/mo
Today · 4.125%
HK$79,768
baseline
▲ 0.50% · 4.625%
HK$83,973
+HK$4,205/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$159,536/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,464
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,184
−HK$2,764/mo
Today · 4.125%
HK$92,948
baseline
▲ 0.50% · 4.625%
HK$98,604
+HK$5,656/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$185,896/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,302
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,912
−HK$2,647/mo
Today · 4.125%
HK$102,559
baseline
▲ 0.50% · 4.625%
HK$107,965
+HK$5,406/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$205,118/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,941 · Scale 2, in force from 26 Feb 2026)