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$48,549
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,059
−HK$1,535/mo
Today · 4.125%
HK$51,594
baseline
▲ 0.50% · 4.625%
HK$54,733
+HK$3,139/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,188/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$879,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,010
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,459
−HK$1,469/mo
Today · 4.125%
HK$56,928
baseline
▲ 0.50% · 4.625%
HK$59,929
+HK$3,001/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,856/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$879,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,259
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,071
−HK$1,841/mo
Today · 4.125%
HK$61,912
baseline
▲ 0.50% · 4.625%
HK$65,679
+HK$3,767/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$123,824/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,812
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,551
−HK$1,763/mo
Today · 4.125%
HK$68,314
baseline
▲ 0.50% · 4.625%
HK$71,915
+HK$3,601/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$136,628/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,969
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,083
−HK$2,148/mo
Today · 4.125%
HK$72,231
baseline
▲ 0.50% · 4.625%
HK$76,626
+HK$4,395/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,462/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,614
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,642
−HK$2,058/mo
Today · 4.125%
HK$79,700
baseline
▲ 0.50% · 4.625%
HK$83,901
+HK$4,201/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,400/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,388
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,107
−HK$2,761/mo
Today · 4.125%
HK$92,868
baseline
▲ 0.50% · 4.625%
HK$98,519
+HK$5,651/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,736/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,219
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,826
−HK$2,645/mo
Today · 4.125%
HK$102,471
baseline
▲ 0.50% · 4.625%
HK$107,872
+HK$5,401/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,942/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,105 · Scale 2, in force from 26 Feb 2026)