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$48,555
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,066
−HK$1,534/mo
Today · 4.125%
HK$51,600
baseline
▲ 0.50% · 4.625%
HK$54,740
+HK$3,140/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,200/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,017
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,466
−HK$1,470/mo
Today · 4.125%
HK$56,936
baseline
▲ 0.50% · 4.625%
HK$59,937
+HK$3,001/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,872/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,267
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,079
−HK$1,841/mo
Today · 4.125%
HK$61,920
baseline
▲ 0.50% · 4.625%
HK$65,688
+HK$3,768/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,840/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,821
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,559
−HK$1,764/mo
Today · 4.125%
HK$68,323
baseline
▲ 0.50% · 4.625%
HK$71,924
+HK$3,601/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,646/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,978
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,092
−HK$2,148/mo
Today · 4.125%
HK$72,240
baseline
▲ 0.50% · 4.625%
HK$76,636
+HK$4,396/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,480/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,624
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,653
−HK$2,057/mo
Today · 4.125%
HK$79,710
baseline
▲ 0.50% · 4.625%
HK$83,912
+HK$4,202/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,420/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,400
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,119
−HK$2,762/mo
Today · 4.125%
HK$92,881
baseline
▲ 0.50% · 4.625%
HK$98,532
+HK$5,651/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,762/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,231
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,839
−HK$2,646/mo
Today · 4.125%
HK$102,485
baseline
▲ 0.50% · 4.625%
HK$107,887
+HK$5,402/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,970/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,388 · Scale 2, in force from 26 Feb 2026)