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$48,551
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,061
−HK$1,534/mo
Today · 4.125%
HK$51,595
baseline
▲ 0.50% · 4.625%
HK$54,735
+HK$3,140/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,190/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,012
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,461
−HK$1,469/mo
Today · 4.125%
HK$56,930
baseline
▲ 0.50% · 4.625%
HK$59,931
+HK$3,001/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,860/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,261
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,073
−HK$1,841/mo
Today · 4.125%
HK$61,914
baseline
▲ 0.50% · 4.625%
HK$65,682
+HK$3,768/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,828/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,815
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,553
−HK$1,763/mo
Today · 4.125%
HK$68,316
baseline
▲ 0.50% · 4.625%
HK$71,918
+HK$3,602/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,632/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,971
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,085
−HK$2,149/mo
Today · 4.125%
HK$72,234
baseline
▲ 0.50% · 4.625%
HK$76,629
+HK$4,395/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,468/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,617
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,645
−HK$2,058/mo
Today · 4.125%
HK$79,703
baseline
▲ 0.50% · 4.625%
HK$83,904
+HK$4,201/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,406/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,391
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,110
−HK$2,762/mo
Today · 4.125%
HK$92,872
baseline
▲ 0.50% · 4.625%
HK$98,523
+HK$5,651/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,744/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,222
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,830
−HK$2,645/mo
Today · 4.125%
HK$102,475
baseline
▲ 0.50% · 4.625%
HK$107,876
+HK$5,401/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,950/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,182 · Scale 2, in force from 26 Feb 2026)