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$48,608
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,120
−HK$1,536/mo
Today · 4.125%
HK$51,656
baseline
▲ 0.50% · 4.625%
HK$54,799
+HK$3,143/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,312/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,076
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,526
−HK$1,471/mo
Today · 4.125%
HK$56,997
baseline
▲ 0.50% · 4.625%
HK$60,002
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$113,994/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,329
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,144
−HK$1,843/mo
Today · 4.125%
HK$61,987
baseline
▲ 0.50% · 4.625%
HK$65,759
+HK$3,772/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,974/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,891
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,631
−HK$1,766/mo
Today · 4.125%
HK$68,397
baseline
▲ 0.50% · 4.625%
HK$72,002
+HK$3,605/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,794/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,051
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,168
−HK$2,150/mo
Today · 4.125%
HK$72,318
baseline
▲ 0.50% · 4.625%
HK$76,719
+HK$4,401/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$144,636/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,706
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,736
−HK$2,060/mo
Today · 4.125%
HK$79,796
baseline
▲ 0.50% · 4.625%
HK$84,002
+HK$4,206/mo
Deposit HK$6.40M · loan HK$14.92M · min. income ≈ HK$159,592/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,494
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,216
−HK$2,765/mo
Today · 4.125%
HK$92,981
baseline
▲ 0.50% · 4.625%
HK$98,638
+HK$5,657/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$185,962/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,336
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,947
−HK$2,648/mo
Today · 4.125%
HK$102,595
baseline
▲ 0.50% · 4.625%
HK$108,003
+HK$5,408/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,190/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,681 · Scale 2, in force from 26 Feb 2026)