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$48,515
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,024
−HK$1,533/mo
Today · 4.125%
HK$51,557
baseline
▲ 0.50% · 4.625%
HK$54,694
+HK$3,137/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,114/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,972
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,420
−HK$1,468/mo
Today · 4.125%
HK$56,888
baseline
▲ 0.50% · 4.625%
HK$59,887
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,776/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,218
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,029
−HK$1,839/mo
Today · 4.125%
HK$61,868
baseline
▲ 0.50% · 4.625%
HK$65,633
+HK$3,765/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,736/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,767
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,504
−HK$1,762/mo
Today · 4.125%
HK$68,266
baseline
▲ 0.50% · 4.625%
HK$71,864
+HK$3,598/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,532/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,921
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,033
−HK$2,147/mo
Today · 4.125%
HK$72,180
baseline
▲ 0.50% · 4.625%
HK$76,572
+HK$4,392/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,360/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,561
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,587
−HK$2,056/mo
Today · 4.125%
HK$79,643
baseline
▲ 0.50% · 4.625%
HK$83,841
+HK$4,198/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,286/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,326
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,043
−HK$2,760/mo
Today · 4.125%
HK$92,803
baseline
▲ 0.50% · 4.625%
HK$98,449
+HK$5,646/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,606/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,150
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,755
−HK$2,643/mo
Today · 4.125%
HK$102,398
baseline
▲ 0.50% · 4.625%
HK$107,796
+HK$5,398/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,796/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,598 · Scale 2, in force from 26 Feb 2026)