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$48,582
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,093
−HK$1,535/mo
Today · 4.125%
HK$51,628
baseline
▲ 0.50% · 4.625%
HK$54,770
+HK$3,142/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,256/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,047
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,496
−HK$1,471/mo
Today · 4.125%
HK$56,967
baseline
▲ 0.50% · 4.625%
HK$59,970
+HK$3,003/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,934/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,298
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,112
−HK$1,842/mo
Today · 4.125%
HK$61,954
baseline
▲ 0.50% · 4.625%
HK$65,724
+HK$3,770/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,908/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,856
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,596
−HK$1,764/mo
Today · 4.125%
HK$68,360
baseline
▲ 0.50% · 4.625%
HK$71,964
+HK$3,604/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,720/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,015
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,130
−HK$2,150/mo
Today · 4.125%
HK$72,280
baseline
▲ 0.50% · 4.625%
HK$76,678
+HK$4,398/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,560/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,666
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,695
−HK$2,059/mo
Today · 4.125%
HK$79,754
baseline
▲ 0.50% · 4.625%
HK$83,958
+HK$4,204/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,508/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,448
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,168
−HK$2,763/mo
Today · 4.125%
HK$92,931
baseline
▲ 0.50% · 4.625%
HK$98,586
+HK$5,655/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,862/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,284
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,894
−HK$2,646/mo
Today · 4.125%
HK$102,540
baseline
▲ 0.50% · 4.625%
HK$107,946
+HK$5,406/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$205,080/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,548 · Scale 2, in force from 26 Feb 2026)