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$48,665
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,179
−HK$1,538/mo
Today · 4.125%
HK$51,717
baseline
▲ 0.50% · 4.625%
HK$54,863
+HK$3,146/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,434/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,139
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,591
−HK$1,473/mo
Today · 4.125%
HK$57,064
baseline
▲ 0.50% · 4.625%
HK$60,072
+HK$3,008/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,128/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,398
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,214
−HK$1,846/mo
Today · 4.125%
HK$62,060
baseline
▲ 0.50% · 4.625%
HK$65,836
+HK$3,776/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,120/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,967
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,709
−HK$1,768/mo
Today · 4.125%
HK$68,477
baseline
▲ 0.50% · 4.625%
HK$72,086
+HK$3,609/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$136,954/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,131
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,250
−HK$2,153/mo
Today · 4.125%
HK$72,403
baseline
▲ 0.50% · 4.625%
HK$76,809
+HK$4,406/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,806/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,795
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,828
−HK$2,062/mo
Today · 4.125%
HK$79,890
baseline
▲ 0.50% · 4.625%
HK$84,101
+HK$4,211/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,780/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,597
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,321
−HK$2,769/mo
Today · 4.125%
HK$93,090
baseline
▲ 0.50% · 4.625%
HK$98,754
+HK$5,664/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,180/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,450
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,064
−HK$2,651/mo
Today · 4.125%
HK$102,715
baseline
▲ 0.50% · 4.625%
HK$108,130
+HK$5,415/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,430/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,182 · Scale 2, in force from 26 Feb 2026)