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$48,624
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,136
−HK$1,537/mo
Today · 4.125%
HK$51,673
baseline
▲ 0.50% · 4.625%
HK$54,817
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,346/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,093
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,544
−HK$1,472/mo
Today · 4.125%
HK$57,016
baseline
▲ 0.50% · 4.625%
HK$60,021
+HK$3,005/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,032/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,348
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,163
−HK$1,844/mo
Today · 4.125%
HK$62,007
baseline
▲ 0.50% · 4.625%
HK$65,780
+HK$3,773/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$124,014/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,912
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,653
−HK$1,766/mo
Today · 4.125%
HK$68,419
baseline
▲ 0.50% · 4.625%
HK$72,026
+HK$3,607/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,838/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,073
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,191
−HK$2,151/mo
Today · 4.125%
HK$72,342
baseline
▲ 0.50% · 4.625%
HK$76,744
+HK$4,402/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,684/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,731
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,762
−HK$2,060/mo
Today · 4.125%
HK$79,822
baseline
▲ 0.50% · 4.625%
HK$84,030
+HK$4,208/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,644/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,523
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,245
−HK$2,766/mo
Today · 4.125%
HK$93,011
baseline
▲ 0.50% · 4.625%
HK$98,671
+HK$5,660/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,022/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,368
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,979
−HK$2,650/mo
Today · 4.125%
HK$102,629
baseline
▲ 0.50% · 4.625%
HK$108,038
+HK$5,409/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,258/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,380 · Scale 2, in force from 26 Feb 2026)