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$48,568
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,079
−HK$1,534/mo
Today · 4.125%
HK$51,613
baseline
▲ 0.50% · 4.625%
HK$54,754
+HK$3,141/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,226/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,031
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,480
−HK$1,470/mo
Today · 4.125%
HK$56,950
baseline
▲ 0.50% · 4.625%
HK$59,952
+HK$3,002/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,900/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,281
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,094
−HK$1,842/mo
Today · 4.125%
HK$61,936
baseline
▲ 0.50% · 4.625%
HK$65,705
+HK$3,769/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,872/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,837
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,576
−HK$1,764/mo
Today · 4.125%
HK$68,340
baseline
▲ 0.50% · 4.625%
HK$71,943
+HK$3,603/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,680/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,995
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,110
−HK$2,149/mo
Today · 4.125%
HK$72,259
baseline
▲ 0.50% · 4.625%
HK$76,656
+HK$4,397/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,518/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,644
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,672
−HK$2,059/mo
Today · 4.125%
HK$79,731
baseline
▲ 0.50% · 4.625%
HK$83,933
+HK$4,202/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,462/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,422
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,141
−HK$2,763/mo
Today · 4.125%
HK$92,904
baseline
▲ 0.50% · 4.625%
HK$98,557
+HK$5,653/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,808/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,256
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,865
−HK$2,646/mo
Today · 4.125%
HK$102,511
baseline
▲ 0.50% · 4.625%
HK$107,914
+HK$5,403/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$205,022/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,930 · Scale 2, in force from 26 Feb 2026)