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$48,540
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,050
−HK$1,534/mo
Today · 4.125%
HK$51,584
baseline
▲ 0.50% · 4.625%
HK$54,723
+HK$3,139/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,168/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,001
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,449
−HK$1,469/mo
Today · 4.125%
HK$56,918
baseline
▲ 0.50% · 4.625%
HK$59,918
+HK$3,000/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,836/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,249
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,060
−HK$1,841/mo
Today · 4.125%
HK$61,901
baseline
▲ 0.50% · 4.625%
HK$65,668
+HK$3,767/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,802/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,801
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,539
−HK$1,763/mo
Today · 4.125%
HK$68,302
baseline
▲ 0.50% · 4.625%
HK$71,902
+HK$3,600/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,604/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,957
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,070
−HK$2,148/mo
Today · 4.125%
HK$72,218
baseline
▲ 0.50% · 4.625%
HK$76,612
+HK$4,394/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,436/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,601
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,629
−HK$2,057/mo
Today · 4.125%
HK$79,686
baseline
▲ 0.50% · 4.625%
HK$83,886
+HK$4,200/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,372/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,373
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,091
−HK$2,761/mo
Today · 4.125%
HK$92,852
baseline
▲ 0.50% · 4.625%
HK$98,502
+HK$5,650/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,704/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,201
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,808
−HK$2,645/mo
Today · 4.125%
HK$102,453
baseline
▲ 0.50% · 4.625%
HK$107,853
+HK$5,400/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,906/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,727 · Scale 2, in force from 26 Feb 2026)